What is LiveMore Capital?
LiveMore Capital operates as a specialist mortgage lender authorized and regulated by the Financial Conduct Authority. The company was established to provide flexible financial products tailored for customers aged 55 and above, directly responding to regulatory calls for increased innovation in the retirement mortgage sector. By integrating deep credit expertise with a modern lending framework, the firm offers a sophisticated alternative to standard mortgage products. Their market position is defined by a commitment to transparency and accessibility, ensuring that older borrowers can unlock home equity without the rigid constraints often found in legacy banking systems. The team, comprised of industry veterans with extensive experience in both established and challenger banking, utilizes this collective knowledge to refine their credit risk models and customer service delivery.
How much funding has LiveMore Capital raised?
LiveMore Capital has raised a total of $673.9M across 2 funding rounds:
Debt
$372.6M
Debt
$301.3M
Debt (2022): $372.6M with participation from National Westminster Bank
Debt (2023): $301.3M led by Citi
Key Investors in LiveMore Capital
National Westminster Bank
National Westminster Bank is a prominent UK-based retail and commercial banking institution providing comprehensive financial services, including personal and business lending solutions.
Citi
Citigroup is a global financial services leader offering a wide array of banking, lending, and capital market solutions to institutional and corporate clients worldwide.
What's next for LiveMore Capital?
Looking ahead, LiveMore Capital is well-positioned to expand its market share as the demand for flexible retirement finance continues to rise. The recent capital infusion will likely be deployed to enhance their digital lending infrastructure and broaden their product distribution channels. As the firm matures, the focus will shift toward optimizing operational efficiencies and scaling their loan book while maintaining strict adherence to FCA regulatory standards. By continuing to attract institutional debt partners, LiveMore Capital is poised to set new benchmarks for the RIOM sector, potentially influencing broader industry standards for lending to the over-55 demographic. The strategic alignment with major financial institutions suggests a long-term commitment to sustainable growth and product diversification in the UK mortgage market.
See full LiveMore Capital company page
