Monthly Archives: May 2015

Unusual Mortgages are specialist Independent Mortgage Advisers who are highly experienced in advising clients in Expatriate Mortgages, Foreign Currency Mortgages, Large Value Mortgages, Split Properties / Title Deeds, Flats Above Commercial Premises, Commercial 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 

• Adviser (Expatriate Mortgages, Foreign Currency Mortgages,  Large Value Mortgages, Split Properties / Title Deeds, Marquee properties (Title Deed Issues, Two Kitchens – See sections below) Flats Above Commercial Properties, Commercial Mortgages. 
• Braford & Bingley (End of Mortgage Term)
• British Expat Mortgages
• Buy to Let (Above Commercial Premises)
• Buy To Let (Capital Raise)
• Buy To Let (Declined High Street)
• Buy To Let (End of Mortgage Term, also see End of Mortgage Term, Bradford & Bingley, Mortgage Express, Rosalite Mortgages, Rosinca Mortgages, Siberite Mortgages)
• Buy To Let (Expat Products)
• Buy To Let (Incomplete Proof of Income)
• Buy To Let (Interest Only)
• Buy to Let Mortgage (Impact of Tax Status)
• Buy to Let (Minimum Proof of Income)
• Buy To Let (Multiple Mortgages)
• Buy To Let (No Minimum Income)
• Buy To Let (Portfolio Landlords)
• Buy  To Let (Rental Stress Test)
• Cerburus Mortgages (End of Mortgage Term)
• Citi Mortgages (End of Mortgage Term)
• Commercial Mortgages
• Complex Income Situations
• Complex Mortgages
• Country Properties (Marquee Properties)
• Debt Consolidation
• Declined High Street Lender (End of Mortgage Term)
• End of Mortgage Term (Bradford & Bingley, Cerburus Mortgages, Citi Mortgage, GMAC Residential Funding, Halifax Mortgages, Heliodor Mortgages, Intelligent Finance, Jasper Mortgages, Landmark Mortgages, Mortgage Express, Northern Rock, Roselite Mortgages, Rosinca Mortgages, Seberite Mortgages, Topaz Mortgages, UCB Home Loans, UK Asset Resolution. Whilstree, TSB)
• Equity Based Lending (End of Mortgage Term)
• Exit Route – (End of Mortgage Term)
• Expat Mortgages (First Time Buyers, Buy To Let)
• Flats Above Commercial Premises
• Foreign Currency Mortgages
• GMAC Residential Funding (End of Mortgage Term)
• Halifax Mortgages – (End of Mortgage Term – Interest Only)
• Heliodor Mortgages – (End of Mortgage Term)
• High Income Mortgages (Marquee Properties)
• Higher Rate Tax Payer Rental Calculation (Buy To Let)
• High Street Lender (End of Mortgage Term – Interest Only Exit Route)
• High Value Mortgages (Marquee Properties)
• Incomplete Proof of Income (SA302 & Self Employed)
• Interest Only Mortgage (Buy To Let)
• Interest Only Mortgage (Down Sizing Strategy)
• Interest Only Mortgage (Exit Strategy)
• Interest Only Mortgage (Later Life Lending)
• Interest Only Mortgage (Term Ending, See End of Mortgage Term)
• Impact of Tax Status (Buy To  Let Calculations)
• Jasper Mortgages (Buy To Let End of Mortgage Term)
• Kitchens (Multiple In One Property)
• Landlord Mortgages
• Landmark Mortgages (End of Mortgage Term)
• Large Value Mortgages 
• Late Payments On Credit Record
• Let to Buy Mortgages
• Listed Properties
• Marquee Properties (Two Properties, with One Title Deed, Two Kitchens) 
• 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 above)
• Multiple Income Sources
• Multiple Kitchens (One Property)
• Multiple Mortgages
• Multi Unit Properties (Multi Properties, One Title Deed)
• Mortgage Express (Buy To Let End of Mortgage Term)
• Mortgage Rejected (By High Street Lender)
• No Minimum Income (Buy To Let)
• Northern Rock (End of Mortgage Term)
• Nurses Income (Agency and Bank Hours – Only where declined by High Street Lender)
• Portfolio Landlords
• Professional Mortgages
• Proof of Income (Problems meeting lender criteria)
• Property Income (Problem meeting lender criteria)
• Re Mortgages (Capital Raising)
• Rosalite Mortgages (End of Mortgage Term)
• Rosinca Mortgages (End of Mortgage Term)
• Rural Properties (Mixed Use Properties)
• SA302 Income Proof (Problems Producing Proof of Income)
• Self Employed Income
• Self Employed Mortgages.
• Siberite Mortgages (Buy To Let End of Mortgage Term)
• Stress Testing Portfolio’s
• Split Title Deeds (Annex and House)
• Thatched Roof Properties
• Title Deed Issues (Multi Units One Title Deed, Marquee Properties, Rural Properties With Acreage, Two Kitchens)
• Topaz Mortgages (Buy To Let End of Mortgage Term)
• Two Kitchens (One Property)
• UCB Mortgages (End of Mortgage Term)
• UK Asset Resolution (End of Mortgage Term)
• Utilising Other Income
• Utilising Property Income
• Willstree Mortgages (End of Mortgage Term)

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 Exit Route)
• Contract Races
• Guarantor Mortgages
• Help To Buy
• New Build Property (Unless the property is already built and ready to move into)
• Shared Ownership

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.

*PLEASE NOTE

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 £495 and £1995 per mortgage 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.