Job title
Mortgage Underwriter
Reports to
Senior Underwriter (based in Glasgow office)
Department
Underwriting Operations
Location
Glasgow office / hybrid (3 days in office per week)
Key internal stakeholders
Underwriting team, Proposition Manager, Completions Officer, Sales team
Main external stakeholders
Brokers and direct customers, third party solicitors and valuer firms
LiveMore exists to challenge the unfair NOs in the mortgage world. That’s why our mission is to empower mortgage brokers to lend more by turning NOs into YESs and by maximising affordable borrowing. By doing that whenever we can, we help our customers live more and be ready for all that’s yet to come.
Using our unique LiveMore Mortgage Matcher® and LiveMore Maximum Borrowing Calculator decision engine technology, we excel at overcoming challenges involving affordability, risk and Consumer Duty. We innovate for customers and mortgage brokers in need, where others don’t – like with LiveMore’s current mortgages ‘up to’, ‘into’ and ‘in’ retirement.
LiveMore is an innovative company with ambitious plans, and we know that our people are the key to achieving our goals. As evidence of our growth, in June 2025 we were recognised as one of the Top 100 Fastest Growing Companies in the UK by the Business Leaders 500. In 2025, we grew our annual lending volumes by over 80% to lend c.£350m and completed our second £200m+ securitisation.
Role
* At LiveMore, we care passionately about our customers. As an Underwriter, you are customer- centric, well organised and have an excellent attention to detail. We pride ourselves on delivering exceptional customer service in a timely manner.
* You will underwrite, review, and approve our standard mortgage applications to an agreed mandate level. You will ensure mortgages are originated within the businesses risk appetite and in accordance with our appropriate policies.
Responsibilities
* Managing a pipeline of mortgage applications from submission to offer.
* Having the ability to make sound discretionary lending decisions within an agreed risk appetite and Lending Policy.
* Exercising discretion and utilising lending mandate on cases outside of standard lending policy.
* Obtain and retain a lending mandate.
* Working closely with our clients and third-party partners such as our Intermediaries, Valuers, Solicitors and building strong working relationships
* Working closely with internal stakeholders of the business such as Sales, Finance, and all other departments
* Demonstrating the ability to coherently and accurately summarise information regarding lending and property issues and make risk- based recommendations and/or decisions.
* Ensuring all documents are assessed in line with internal manuals, policies, procedures, and criteria.
* Remaining compliant with all applicable regulatory guidelines.
* Answering internal and external customer queries, with the key objective of first-time resolution.
* Meeting key performance indicators and service levels by working to agreed objectives and deliverables.
* Identifying potential issues and suggesting suitable solutions or process improvements.
Requirements
* Good knowledge of secured lending, affordability-based underwriting and property related matters with an ability to interpret and communicate lending policy and criteria.
* Previously held lending mandate
* Customer service experience.
* Experience in dealing with case referrals
* An understanding of the current regulatory landscape in respect of data protection, Money Laundering and treating customers fairly.
* Have strong organisation skills with an ability to work to SLA’s and be able to prioritise and manage your own workload.
* Meticulous attention to detail.
Benefits and environment
* Growth shares.
* Annual performance bonus (cash and growth shares).
* High-quality working environment in a central Glasgow office.
* Hybrid working (3 days per week in office).
* 30 days’ holiday, plus UK bank holidays.
* Private health cash reimbursement plan.
* Employer pension contribution.
* Salary-sacrifice pension scheme, saving marginal rate on contributions.
* Salary-sacrifice nursery voucher scheme, as above.
* Employee assistance programme.