FF News Logo
Saturday, October 11, 2025
FF Awards Leaderboard Banner

Livemore Launches Social Bond Framework

Social bonds are used to finance projects which address social issues, providing investors such as Livemore with the opportunity to invest in positive social change.
LiveMore’s mortgages perform a vital sociazl role in providing solutions to borrowers who are unable to qualify for a traditional mortgage due to their age.
Older people effectively face discrimination from lenders who often rely exclusively on salary in their affordability assessments, rather than considering a variety of income sources including pensions. Without more flexible financing solutions like LiveMore’s, older borrowers risk becoming mortgage prisoners or face having to sell their home.

LiveMore’s social bond framework has been developed based on the rules of the International Capital Market Association (ICMA), which promotes the sustainable development of the international capital and securities markets. The framework is supported by a second-party’s opinion by ISS Corporate Solutions Limited, certifying that LiveMore’s mortgage portfolio is a socially sustainable investment. Launching a social bond framework is a major step in LiveMore’s ongoing ESG journey to become a market leader in sustainable lending. The lender is exploring further opportunities under the ICMA Green Bond and ICMA Sustainability Bond principles, with a view to launching products which help finance progress towards environmental and social sustainability in the near future.

“As an ethical company, sustainability is hugely important to LiveMore which is working towards being a carbon net zero firm and offsets its carbon emissions through partnering with Trillion Trees. Trillion Trees is a global reforestation project and for every mortgage LiveMore sells it plants trees. LiveMore’s contribution to Trillion Trees to date is equivalent to 1,395 tons of CO2 removal or 4 million miles driven.”

Alexandra Hansmeyer, LiveMore’s head of legal, commented: “Most mortgages don’t have a social angle but our products do. They are for borrowers that other lenders don’t want to lend to because they’re deemed too old, which is wrong on so many levels. We believe our social bond framework and future plans to expand on this with the likes of green mortgages are positive attributes for a modern, ethical mortgage lender. Our partnership with Trillion Trees is hugely important to us along with our commitment to sustainability and our carbon net zero target.”

People In This Post

Companies In This Post

  1. EXCLUSIVE: “Passion Project” – Brice van de Walle, Mastercard in ‘The Fintech Magazine’ Read more
  2. FreedomPay Drives Global Merchant Innovation Read more
  3. FIS Brings AI-Powered Advancements to Seamless, Personalized Digital Banking Experiences Read more
  4. Citi Ventures Invests in BVNK to Power the Next Generation of Financial Infrastructure Read more
  5. Nearly Two-Thirds of Global Retailers Say Payment Method Flexibility Drives Revenue Growth, ACI Worldwide Survey Finds Read more
Gitex Global
More On