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LiveMore review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

LiveMore suits UK borrowers with equity who want a straightforward lender, not a cheap rate. Its initial rate of 3.74% is above the site median of 4.69%, and the maximum loan to value of 80% limits how much of a home you can borrow against.

Key facts

Best for
UK homeowners with equity who value a direct lender and clear contact options over a lowest headline rate.
Initial rate
3.74%↗
Maximum loan to value
80%↗
Purpose
Purchase, Remortgage, Equity-release↗
Legal entity
LiveMore Capital Limited↗
Headquarters
United Kingdom↗
Support channels
Email, Phone, Chat↗
Official website
livemoremortgages.com

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • Covers purchase, remortgage and equity release, so it fits borrowers at different stages
  • A regulated lender, authorised and regulated by the Financial Conduct Authority
  • Help runs on email, phone and chat, including phone and chat
  • Initial rate of 3.74% sits under the site median of 4.69%

Cons

  • Maximum loan to value of 80% is below the site median of 90%, so less of the home is usable as security
  • The initial rate of 3.74% is above the site median of 4.69%
  • Ranks 99 of 316 on initial rate, so the headline figure is not competitive

Ready to try LiveMore?

Scored 9.3 / 10 by SumCue.

See alternatives

Who it suits

  • UK buyers who already have a larger deposit and want a direct lender
  • Homeowners remortgaging who need 80% or less lending and a reachable broker team

Who should look elsewhere

  • Borrowers chasing the cheapest headline rate, where Sofkredit and Prestalo both price lower
  • People lending above 80% of the property value

How it compares on our data

On initial rate, LiveMore sits at 99 out of 316 brands, so its 3.74% is not among the lowest in the field. The picture is similar on maximum loan to value, where it ranks 201 of 313 and caps lending at 80%. That combination points to a mid-market offer: neither the sharpest rate nor the most flexible borrowing.

The company behind it

The lender behind the offer is LiveMore Capital Limited, based in the United Kingdom. It is authorised and regulated by the Financial Conduct Authority, so its permissions can be checked on the regulator's register. Applicants can reach the team through email, phone and chat, which covers phone, email and chat, useful when a mortgage application needs an answer the same day.

How LiveMore compares

Where LiveMore is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (730706), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What initial rate does LiveMore offer?+

The stated initial rate is 3.74% for new borrowing. That sits above the site median of 4.69%, so it is not the cheapest headline figure among the lenders compared. Buyers should treat the initial rate as the starting point only, since the rate can change after the fixed period ends.

How much of my home can I borrow against LiveMore?+

LiveMore lends up to a maximum loan to value of 80%. That is below the site median of 90%, so you would need a larger deposit or more equity to meet the requirement. Applicants borrowing a higher share of the property value may need a different lender.

Is LiveMore regulated?+

Yes. LiveMore Capital Limited is authorised and regulated by the Financial Conduct Authority, the relevant regulator in the UK. Its permissions can be checked against the regulator's register, which is the usual way to confirm a lender is allowed to arrange mortgages before you share details.

What can I use a LiveMore mortgage for?+

LiveMore covers purchase, remortgage and equity release, so the same lender can handle a first purchase, a switch to a new deal or borrowing released against the value of a home. Borrowers wanting to raise money for repairs rather than buy may find the equity release route more useful.

How do I contact LiveMore?+

Support runs on email, phone and chat, covering phone, email and chat. Having a phone line matters during an application, when a broker can answer questions about documents or timing without waiting on email. Chat is useful for quick checks before an application starts.

Where is LiveMore based?+

The lender is LiveMore Capital Limited, registered in the United Kingdom. As a UK operation, the products and the regulatory framework are aimed at borrowers in the UK, so anyone living and borrowing outside the country would need to check whether an application is accepted.

Sources

  • livemoremortgages.com checked September 26, 2026

    Backs: Headquarters, Legal entity, Purpose, Support channels, Licences

    “registered company no. 11630369 in England and Wales”

  • livemoremortgages.com/borrowers/standard-capital-and-inte... checked September 26, 2026

    Backs: Maximum loan to value

    “Standard Capital & Interest: Up to 80% loan to value: Borrow up to 80% of the value of your home.”

  • livemoremortgages.com/lvr checked September 26, 2026

    Backs: Initial rate

    “LiveMore Variable Rate: Current Rate: 3.74%, reset quarterly”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APRC, Fixed period.

LiveMore

UK homeowners with equity who value a direct lender and clear contact options over a lowest headline rate.

9.3/10See alternatives