Your Mortgage Hub
Handy reminders about your interest only or capital repayment mortgage and answers to your questions.
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Welcome back! We hope you're loving life with your LiveMore Mortgage.
You're bound to have questions from time to time, or just need a reminder about how your mortgage works. That's exactly why we created this part of the website.
Below you'll find useful information, answers to frequently asked questions and great sources of independent advice.
Can't find what you're looking for below? Our expert team are always happy to help – we're just a phone call or email away.
A few things to remember about your mortgage
Having financial worries?
If you are having financial difficulties and need our help and advice, don't be worried about getting in touch. Our team are here to help you find a way forward.
Overpayments and Early Repayments
You can overpay up to 10% on your mortgage without being charged (see your offer letter for more details). Want to make an ad hoc payment or discuss early repayment charges? Get in touch with the contact details below.
Home Insurance
Sure, it helps keep you safe, but suitable home insurance is also a condition of your mortgage offer and must be adequate and remain in place for the duration of your loan with us.
Change in circumstances?
If your personal circumstances or health has changed, or you're moving into long-term care, contact our customer services team on the contact details below. We're here to help you get through it.
Thinking of moving?
All of our mortgages are portable subject to certain terms and conditions being met. Please contact us on the details below to find out more.
Making changes to your mortgage
If you want to add someone to your mortgage, or take them off, or you would like to discuss making any kind of change to your mortgage, contact us with the details below and we'll be happy to help.
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How to get in touch with us
If you have any questions or would like some information about your mortgage, please contact our servicing team on 0344 249 2918 or email us at servicing@mortgages.livemorecapital.com
Our opening hours are Monday to Friday from 9am-5:30pm.
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Making a complaint
If you’re unhappy with the service received from us, then please let us know. We take every complaint seriously and it helps us fix how we do things going forward.
You can send your complaint to us in any of the following ways:
By post to:
LiveMore Capital Ltd
PO Box 1202
Uxbridge
UB8 9FT
By email to: servicing@mortgages.livemorecapital.com
By phone to: 0344 249 2918.
How we handle your complaints is explained on this page.
Need some further help?
At LiveMore, our team will always do our best to help. However, there may be instances where external organisations are better equipped to discuss your situation and are able to provide advice and practical solutions.
FAQs
Please contact our customer services team on 0344 249 2918, or email us at: servicing@mortgages.livemorecapital.com where one of our agents will be able to help you.
Suitably certified Power of Attorney documents can be emailed to us at: servicing@mortgages.livemorecapital.com or alternatively can be sent to us at the following address:
LiveMore Capital Limited
PO Box 1202
Uxbridge
UB8 9FTPlease contact our customer services team on 0344 249 2918, or email us at: servicing@mortgages.livemorecapital.com and one of our team will be happy to send you out a third party authority form for you to complete and return.
Please contact our customer services team on 0344 249 2918, or email us at: servicing@mortgages.livemorecapital.com where one of our agents will be able to send this out to you.
Your Annual Mortgage Statement will be sent out annually on the anniversary of your completion date each year.
At present, LiveMore Capital do not offer Further Advances, however this may be subject to change in the future.
All of our current fees and charges are available in our Tariff of charges document.
You will need to send your complaint directly to your broker for them to investigate and respond to you on, however if you wish to send it to us, we can forward it onto them for you. You can send it to us in any of the following ways:
By post to:
LiveMore Capital Ltd
PO Box 1202
Uxbridge
UB8 9FT
by email to: servicing@mortgages.livemorecapital.com, or by phone to: 0344 249 2918.
As the complaint is about your broker, the complaint will be handled in line with their internal process, and they will respond to you directly.You must allow your first monthly payment to go through before we can amend the due date.
Once the first payment has been made, please contact our customer services team on 0344 249 2918, or email us at: servicing@mortgages.livemorecapital.com where one of our agents will be able to help you move your due date to a more convenient date in the month.
Please note: if you are moving your due date to a date later in the month, a one off interest payment will be payable for the interest due between your current due date and the date you are moving it out to. This can be added to your next direct debit or paid as a one off payment.
Our customer services team can advise you of the amount before you make the change.
Normal payment methods are by:
Direct Debit, BACS transfer, card payment over the phone or by Standing Order.
Please contact our customer services team on 0344 249 2918, or email us at: servicing@mortgages.livemorecapital.com where one of our agents will be able to help you.Please contact our customer services team on 0344 249 2918, or email us at: servicing@mortgages.livemorecapital.com where one of our agents will be able to help you.
Usually, your mortgage will revert to the LiveMore Capital Variable Rate plus a certain margin.
Please refer to your mortgage offer where this will be detailed, or contact our customer services team on 0344 249 2918, or email us at: servicing@mortgages.livemorecapital.com where one of our agents will be able to advise you.
Please contact our customer services team on 0344 249 2918, or email us at: servicing@mortgages.livemorecapital.com where one of our agents will be able to help you.
If anyone is living with you who is over 17 and not on the mortgage, please contact our customer services team on 0344 249 2918, or email us at: servicing@mortgages.livemorecapital.com as they will need to complete an 'Occupancy Waiver'.
Please talk to your mortgage broker who helped you obtain your LiveMore mortgage who will be able to advise you on any other mortgage products that may be available to you.