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LiveMore - Affordability, Interest only and Age

26 June 2025

Intermediaries tell us of three common barriers to accessing finance for the over 50s: Affordability, Interest Only, and Age.

But we do things differently at LiveMore, let’s start with…

Affordability

No Minimum Income
No Loan to Income (LTI) cap for like for like mortgages
Common to see income multiples of 7.5x
Self Employed 1 year’s accounts, 1 year’s trading, retained profits, director’s loans, dividends allowed after retirement (my business is my pension)
Assets including cash savings converted to income (£10k can make the difference between a pass and a fail)
Debt Consolidation allowed up to 100%

To start saying #MoreYes to more clients over 50, try your client cases with LiveMore Mortgage Matcher®.

For any questions, get in touch:

For intermediaries only.

LiveMore Mortgage Matcher® is a registered trademark of LiveMore.