Category Archives: Broker Fees

Mortgage Market Report – Spring 2018

HOT MORTGAGE TOPICS 2018 By Chris Morgan Mortgage lenders so far in 2018 have been cautious in their approach, even with some of the more straight forward mortgage applications seeming to take an eternity to process and agree. Many of the less mainstream applicants continue to suffer, with lenders continuing to create a divide between, […]

Mortgage Market Report – The Past 2017

HOT MORTGAGE TOPICS 2017 By Chris Morgan 2017 has seen many changes to the Mortgage Market in the UK, in particular to the types of mortgages available and the way that products are distributed. Since the end of the last recession there have been continued and relentless changes to mortgage criteria and the rules that […]

Mortgage Market Report – September 2017

Buy To Let & Debt Consolidation By Chris Morgan Unusual Mortgages have recently been getting a number of requests from landlords who wish to utilise their assets and either raise capital to purchase further properties or repay unsecured debts they may have accumulated. We also meet landlords who have paid for refurbishments and redecorating from […]

Unusual Mortgages – Research Survey 2017 – Part Two

Welcome to Part Two of the Unusual Mortgages Survey 2017 Every year we conduct research into the current status of the mortgage market in the UK and in particular how Mortgage Consumers are being effected. Mortgages have become almost impossible to obtain for certain groups of people and the Survey is our way of highlighting […]

Unusual Mortgages – Research Survey 2017 – Part One

Every year Unusual Mortgages conduct research into the current status of the mortgage market in the UK and in particular how Mortgage Consumers are being effected. Mortgages have become very difficult to obtain for many groups of people, with money in short supply with lending criteria being tightened and restricted across all mortgage products. This […]

Unusual Risks Featured In The National Press – Top 10 Unusual Mortgages

Unusual Mortgages and Chris Morgan have been featured across the national press in the last few months, with focus on their work with people in the UK who are finding it difficult to secure mortgage finance. Over the last 12 months they have been closely researching the reasons that people take out Unusual Mortgages and […]

Top 10 Unusual Mortgages 2016 …

Unusual Mortgages are today announcing the results of their “Top 10 Unusual Mortgages of 2016”. Their survey highlights the types of Mortgages that people are looking for and helps people looking for Unusual types of Mortgages to find specialist advice. The leading “Unusual” reason for people taking mortgages over the last 12 months was Multiple […]

Are You Having Difficulty Finding a Mortgage? …..

Unusual Mortgages are regularly contacted by people who are finding it difficult to arrange a mortgage. Their reasons are normally due to employment status, affordability issues, residency issues or simply another broker seriously overcharging clients for their services. Rarely do we encounter a client that encompasses all of these issues, so we have created this […]

Self Employed Mortgages … Latest Research

Unusual Mortgages are frequently contacted by both Employed and Self Employed people, who are finding it difficult to find Mortgage finance. One of the most popular questions that we are asked, relates to the verification of Income, this is especially common since the disappearance of Self Certified Mortgages. Since the credit crunch Self Employed people […]

Buy To Let Mortgages – No Proof of Income – Rental Calculations

Unusual Risks are specialist mortgage advisers that assist people in Unusual Circumstances, such as Self Employed people that have difficulty proving their income, or those looking for multiple mortgages. Although there are no longer any “Self Certified” residential mortgages available, there are in fact still mortgages available to property landlords that do not require any […]


    Unusual Mortgages are specialist Independent Mortgage Advisers who are highly experienced in arranging Complex Mortgages. Our lead financial adviser Chris Morgan has 30 years of experience in Banking, Finance and Mortgage Advice.

    We have strong relationships with many off high street lenders, such as private banks, specialist banks, niche lenders and complex mortgage providers. Many offer exclusive products, that are tailored bespoke for clients and are only offered through financial advisers like ourselves.

    These are many of the areas in which we are able to offer advice. If you have a Mortgage Issue we can assist you with and it’s not on our A-Z of Mortgage Issues then please give us a call for us to for advice.

    A-Z of Mortgage Issues 

    • Adverse Credit (Arrears, CCJ’s, Defaults)
    • Airbnb Income (Property Income)
    • British Expat Mortgages
    • Buy to Let (Above Commercial Premises)
    • Buy To Let (Capital Raise)
    • Buy To Let (End of Mortgage Term)
    • Buy To Let (Expat Products)
    • Buy to Let Mortgage (Impact of Tax Status)
    • Buy to Let (Minimum Proof of Income)
    • Buy To Let (Multiple Mortgages)
    • Buy To Let (Portfolio Landlords)
    • Buy  To Let (Rental Stress Test)
    • Buy To Let (Scottish Rural Property – Certain Postcodes)
    • Commercial Property (Semi Commercial with residential)
    • Complex Income Situations
    • Complex Mortgages
    • Contractor Mortgages
    • County Court Judgements
    • Country Properties (Large Acreage)
    • Debt Consolidation
    • Declined High Street Lender
    • Development Finance
    • Director Income
    • Dividend Income
    • Downward Trend Income
    • End of Mortgage Term (Bradford & Bingley, Citi Mortgage, Heliodor, Landmark Mortgages, Mortgage Express, Northern Rock, Rosinca, Topaz, UK Asset Resolution. Whilstree, TSB)
    • Equity Based Lending
    • Exit Route (Development and Bridging Finance – Note we only advise on Exit Route situations)
    • Expat Mortgages
    • Foreign Currency Income
    • Foreign Nationals (Resident in the UK)
    • High Income Mortgages
    • Higher Rate Tax Payer Rental Calculation (Buy To Let)
    • High Value Mortgages
    • Interest Only Mortgage (Buy To Let)
    • Interest Only Mortgage (Down Sizing Strategy)
    • Interest Only Mortgage (Term Ending, See End of Mortgage Term)
    • Investment Income
    • Impact of Tax Status
    • Kitchens (Multiple In One Property)
    • Landlord Mortgages
    • Late Payments On Credit Record
    • Let to Buy Mortgages
    • Listed Properties
    • Million Pound Mortgages
    • Minimum Proof of Income
    • Missing Proof of Income
    • Mixed Use Property
    • Mortgage Deeds (Two Properties, One Title)
    • Mortgage Term Ending (See End of Mortgage Term)
    • Multiple Income Sources
    • Multiple Kitchens (One Property)
    • Multiple Mortgages
    • Multi Unit Properties (Multi Properties, One Title)
    • Mortgage Rejected
    • Nurses Income (Agency and Bank Hours)
    • One Year Self Employed (1 Year accounts)
    • Other Income Types (Non Conventional Income Types such as Airbnb, Property Income, Director Remuneration)
    • Portfolio Landlords
    • Professional Mortgages
    • Proof of Income (Problems meeting lender criteria)
    • Property Income
    • Re Mortgages (Capital Raising)
    • Restricted Lending
    • Right To Buy
    • Rural Properties (Mixed Agricultural / Commercial Use)
    • SA302 Income Proof (Problems Producing Proof of Income)
    • Scottish Rural Property (Buy To Let – Certain Postcodes)
    • Self Employed Income
    • Self Employed Mortgages.
    • Semi Commercial Property (With Residential)
    • Stress Testing Portfolio’s
    • Split Title Deeds (Annex and House)
    • Sports Person Mortgages
    • Thatched Roof Properties
    • Title Deeds (Multi Units One Title)
    • Trust Fund Income
    • Two Kitchens (One Property)
    • Utilising Other Income
    • Utilising Property Income

    We have only a few types of mortgages where we do not offer advice

    • Auction Property
    • Bridging Loans (Unless the borrower is looking for an Exist Route)
    • Contract Races
    • Guarantor Mortgages
    • New Build Property (Unless the property is already built and ready to move into)

    Lead Financial Adviser Chris Morgan, FPC, CeMap, CeRER. 

    Chris Morgan is the Lead Financial Adviser at Unusual Mortgages with over 30 years experience in Banking, Financial, Insurance and Mortgage Industries. He has worked for three major banks in his career – Lloyds, HSBC and Barclays.

    He is the former resident financial adviser for Barclays Regent Street, Liberty’s and Mayfair group of branches and been an Independent Financial Adviser since March 1999, when he created his own advisory practice Compass in Soho London. He has also been the Lead Financial Adviser at Unusual Risks and Unusual Mortgages, since 2009.

    He is a former Financial Adviser of the Year, Barclays Young Business Person of the Year and finalist in the FT Adviser Mortgage Adviser of the Year contest.

    He has also won a host of other community and industry awards for his consumer facing work within the finance industry.

    Chris has recently been shortlisted at The European Diversity Awards for Barclays Campaigner of Year. This is for his work as a Diversity Leader within the UK Financial Services Industry.


    Authorised and regulated by The Financial Conduct Authority. Please note most Buy to Let mortgages are not regulated by The Financial Conduct Authority.

    Fees will apply for mortgage advice. We charge a set fee of between £1295 and £1995 payable on application, dependent on the amount of work involved, the type of mortgage you are applying for and any commission we receive from the lender on completion of your mortgage. Please contact us for a specific quotation.

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