LiveMore review

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

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Our verdict

LiveMore Capital Limited lends in the UK for purchase, remortgage and equity release, opening at a 3.74% initial rate. It suits borrowers who want a single regulated lender across buying, switching and later releasing equity, and who can work inside the 80% loan to value ceiling.

Key facts

Best for
A single lender for buying, switching and equity release in the UK.
Initial rate
3.74% (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Equity-release (Source, checked September 26, 2026)
Legal entity
LiveMore Capital Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat (Source, checked September 26, 2026)
Official website
livemoremortgages.com

Apps and profiles

Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • Covers purchase, remortgage and equity release across a single product set (purchase, remortgage and equity release).
  • Initial rate of 3.74% is below Creditilia ES at 4% and below the 6.5% upper quartile for initial rates.
  • Support runs on email, phone and chat, with phone the most common channel on the site at 85%.
  • Authorised in GB by the Financial Conduct Authority, licence 730706.

Cons

  • Maximum loan to value stops at 80%, under the 95% many remortgage options reach.
  • Prestalo lists 2.36%, so a rate-first buyer has a cheaper entry point elsewhere.
  • The listed products cover purchase, remortgage and equity release only, with buy to let and first time buyer lending absent.

Ready to try LiveMore?

Scored 9.1 / 10 by BorrowCue.

See alternatives

Who it suits

  • UK buyers and switchers who want purchase and remortgage handled by the same regulated lender (GB, LiveMore Capital Limited).
  • Borrowers who may release equity later, since equity release sits in purchase, remortgage and equity release alongside buying and switching.
  • Applicants comfortable with a 80% ceiling and an 3.74% starting rate.

Who should look elsewhere

  • Buyers shopping only on price, since Prestalo lists 2.36%.
  • Applicants who need to borrow above 80% loan to value.
  • Readers wanting a rate band rather than a single figure, as Sofkredit publishes 8% to 14%.

How it compares on our data

On initial rate, LiveMore ranks 95 of 297 brands listed, which places it in the middle of a wide field rather than near the top. On maximum loan to value it sits at 186 of 293. Neither measure makes the offer outstanding, so the case for LiveMore rests on breadth of purpose and regulation rather than on ranking.

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 can I use LiveMore for?+

LiveMore Capital Limited covers purchase, remortgage and equity release, so buying, switching an existing mortgage and releasing equity all sit with the same provider. The lender is based in the United Kingdom, which means the products and the regulation behind them are aimed at UK borrowers rather than a wider international market.

What is the LiveMore initial rate?+

The published initial rate is 3.74%, below the 4% quoted by Creditilia ES and below the 6.5% upper quartile for initial rates across the site. The headline figure is a starting point, so a quote on a specific loan can differ on amount and loan to value.

How much can I borrow with LiveMore?+

The maximum loan to value is 80% on the standard capital and interest product, so a purchase needs a deposit on the rest of the value. That is a lower ceiling than the 95% reached by many remortgage options, which matters most for first time buyers with a small deposit.

Is LiveMore regulated?+

LiveMore Capital Limited appears in the Financial Conduct Authority register for GB under licence 730706. That registration means the firm is authorised to lend in the UK and is held to the regulator's standards on lending conduct, affordability checks and complaints.

How do I contact LiveMore?+

Support runs through email, phone and chat, so phone, email and live chat are all available for the same product range. Phone is the most common support channel among lenders on the site, at 85%, which points to a staffed line rather than an inbox alone.

How does LiveMore compare on price?+

Prestalo lists 2.36%, lower than LiveMore's 3.74%, while Sofkredit publishes a much higher band of 8% to 14%. LiveMore ranks 95 of 297 brands on initial rate, and Creditilia ES at 4% sits close to the LiveMore figure.

Who is behind the LiveMore brand?+

The brand is operated by LiveMore Capital Limited, a company based in the United Kingdom with a Financial Conduct Authority licence recorded as 730706. Borrowers deal with a named lender rather than a broker or a marketplace of lenders, so the mortgage agreement sits with that company.

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

A single lender for buying, switching and equity release in the UK.

9.1/10See alternatives

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