Blogs in the hub for intermediaries.
People’s health and lifestyles are changing, and many are staying active for longer. Charles Roe puts it simply: he is more active than his parents were when they were his age.
Money affects almost every part of our lives, yet for something so important, it can still be surprisingly difficult to talk about.
The later life lending market doesn’t need another conversation about whether things should change. The real question is how we start making that change happen.
When LiveMore brought together industry leaders for the Later Life Lending is Dead. Or Is It? panel at the RSA, one message came through loud and clear: the way we talk about lending may need to change.
Krystle Clark discusses how LiveMore's underwriting team approaches complex cases, the role of the Hero Hotline, and why direct access to decision-making underwriters helps brokers find solutions.
In a recent episode of Living More, Charles Roe, former Director of Mortgages at UK Finance, joined Dan Broadwood to discuss how these societal shifts are reshaping the mortgage market, and what that could mean for borrowers, brokers and lenders in the years ahead.
Later life lending is the term used to describe mortgage borrowing designed for older homeowners, typically covering products like retirement interest-only (RIO) mortgages, lifetime mortgages, and standard mortgages that extend into or beyond retirement age. It's traditionally been associated with borrowers aged 55 and over. I've spent years working in this space, and I think that definition, while useful as a starting point, no longer reflects who actually needs these products or when they need them.
LiveMore's Head of Underwriting Matt Evans on why we don't rely on income multiples alone, how assets and pensions boost affordability, and what a Hero Hotline call actually looks like.
LiveMore's Head of Underwriting Matt Evans on why complex cases get declined elsewhere, how the Hero Hotline works, and why later life lending is about more than age.
In the first episode of Living More, our video podcast series, LiveMore Product Lead Dapinder Williams sits down with host Dan Broadwood to talk about the technology behind the broker journey, from the Mortgage Matcher to case tracking, and why the answer at LiveMore is never just no.
Are you over 50 and finishing up your Interest-Only mortgage but still haven't paid off the capital? If you want to keep your interest-only set-up and stay put, you've got two choices: stick with a regular interest-only mortgage or consider a retirement mortgage.
Many think it is not possible to get an interest-only mortgage aged 50+. This simple guide will debunk those myths.
Passing down your home to loved ones? Inheritance tax can take a huge chunk out of what you leave behind.