Job Description – Equity Release Underwriter (London)
Department: Underwriting
Reports to: Head of Underwriting
Location: London : 2 days in the office
Contract Type: Permanent
Deadline: 5pm, 11 January 2026
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 and we will lend in excess of £350m this year.
Purpose
This position is primarily responsible for delivering exceptional underwriting performance and ensuring compliance with regulatory and internal standards. Ensuring accurate and timely decisions that support customer needs, risk appetite and business objectives. Drive continuous improvement in underwriting processes and risk assessment.
Key Responsibilities
* Review and underwrite equity release applications, ensuring compliance with FCA regulations and internal underwriting guidelines.
* Conduct detailed risk assessments on property valuations, customer profiles, and legal documentation.
* Liaise with brokers, solicitors, and internal teams to resolve queries and ensure smooth application processing.
* Maintain accurate records and documentation for audit and compliance purposes.
* Contribute to continuous improvement of underwriting processes and risk controls.
Skills & Experience
* Proven experience in equity release underwriting or mortgage underwriting, ideally in a senior or specialist capacity.
* Strong knowledge of FCA regulations and equity release market practices.
* Excellent analytical and decision-making skills.
* High attention to detail and ability to work under pressure.
* Strong communication skills for stakeholder engagement.
Benefits
* 30 days holiday plus bank holidays
* Health cash plan
* Growth Shares
* Salary Sacrifice pension scheme
* Employee assistance programme
* A supportive and collaborative working environment with a Wellbeing Calendar focused on supporting mental, physical and financial wellbeing
* Structured quarterly career planning meetings with your Line Manager to support you with opportunities for professional development and promotion