Equity Release Underwriter

LiveMore Mortgages; Glasgow; Hybrid; GBP 45,000 - 75,000; Full time

Benefits offered by this job

Discretionary bonus

Growth shares

Hybrid work

Pension contributions

Salary-sacrifice pension

Nursery vouchers

High-quality environment

Job summary

LiveMore Mortgages in Glasgow is seeking a Senior Underwriter to join our Underwriting Operations team, hybrid model three days in the office.

You will review equity release and mortgage applications, ensure FCA compliance, and work with brokers, solicitors and sales to move cases to completion. This role emphasizes analytical thinking, risk assessment and process improvement.

Qualifications

• Proven experience in equity release underwriting or mortgage underwriting.
• 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.

Responsibilities

• Review and underwrite equity release applications with FCA compliance.
• Assess risk in valuations, customer profiles, and legal docs.
• Coordinate with brokers, solicitors, and internal teams to resolve queries.
• Maintain records for audit and compliance purposes.
• Contribute to continuous improvement of underwriting processes and risk controls.

Skills

Equity release underwriting

Mortgage underwriting

FCA regulations knowledge

Analytical decision making

Attention to detail

Job description

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 origination volumes by over 80% to lend c.£350m.

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.

Location

• Based in Glasgow three days per week (hybrid working model).
• Remaining days can be remote.

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.
• 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.
• Discretionary annual performance bonus (cash and growth shares).
• High-quality working environment.
• Hybrid working (3 days per week in office).
• Employer pension contribution.
• Salary-sacrifice pension scheme, saving marginal rate on contributions.
• Salary-sacrifice nursery voucher scheme, as above.