Unusual Properties – Finding The Right Mortgage Lender For You.

Two Properties One Title Deed? By Chris Morgan

Have you found the perfect property only to find out that the obvious high street mortgage lenders, will not offer you a mortgage on what appears to be suitable security offered to them?

Even though you have a significant deposit money and solid income affordability, they have decided for what appears to be an insignificant reason to decline your mortgage application?

It can be soul destroying exercise searching for the right property, only to find out that because the property is “unusual” or slightly “different” you may not be able to raise the money to buy your dream home.

Here are some examples of the types of properties that it may be difficult to find mortgage finance for …

  • Those with two kitchens in the same home, it’s fine for a home to have two bathrooms, so why not two kitchens?
  • Properties that have two houses or homes, that are contained in one set of title deeds.
  • Houses that have an annex, or smaller apartment attached and are again included under the same set of title deeds.
  • Homes that may have been altered into two seperate properties and are still contained under the same single set of title deeds.
  • Properties that are residential homes and have part of the house converted into a “Home Office” that has maybe been used for a business purposes in the past.

We have seen many examples where high street mortgage lenders such as Halifax, Santander and Woolwich have refused mortgages, solely based upon a surveyors comments relating to “Duel” properties and title deeds.

However, you should not give up easily and contact the countries leading specialist adviser for finding mortgages for “Double”, “Duo” and “Split Title” properties. We have lenders that may be willing to help!

15 Minute Mortgage Assessment

Unusual Mortgages offer a 15 minute free mortgage assessment over the phone for anyone that has been turned down for a mortgage elsewhere. We will confirm if the decision you were given is correct and assess your options across all of the lenders on our manual research list, from which we tailor bespoke solutions for our clients.

If you have been turned down for a mortgage or are worried about approaching lenders due to the way you have been treated in the past, why not give us a call. Within 15 minutes you will know if your hopes and aspirations are a reality, with a sound opinion from the most experienced mortgage broker in the United Kingdom at placing “Unusual Mortgages”.

If you require more information on Complex Mortgages, Multiples Mortgages, Buy to let, Self Employed or Adverse Credit Mortgages  you can contact Unusual Mortgages onUK 0845 474 3075 or International +44 1404 45397, email at enquiries@unusualmortgages.co.uk

This entry was posted in Complex Mortgages, Duel Title, Split Title Deeds, Title Deeds, Two Properties One Title, Uncategorised, Unusual Mortgages. Bookmark the permalink.
  • About Us

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

    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.

  • Complex Mortgage Service

    Unusual Mortgages offers highly experienced and expert advice, from an industry leading financial adviser in return for reasonable fixed arrangement fees. On a number of occasions we have met clients who were quoted elsewhere, broker arrangement fees of between 1% and 1.5% of the mortgage, which can equate to literally thousands of pounds of extra fees.

    We have developed a business model and professional advice process that allows us to offer Independent Mortgage Advice at highly competitive fixed broker fees. which are extremely low in comparison to other fee based brokers.

    Unusual Mortgages have recently saved one particular client literally thousands of pounds in arrangement fees and total interest payable over the term of his loan.

    These are the main “Complex Mortgage” areas which we can offer our advice in return for Set Fees.

    Adverse Credit Mortgages, Buy to Let Mortgages, Complex Mortgages, Contractor Mortgages, Debt Consolidation, Development Finance, Downward Trend Income, Expatriate Mortgages, Landlord Mortgages, Let to Buy Mortgages, Mortgage Term Ending, Multiple Mortgages, Mortgage Rejected, Professional Mortgages, Re Mortgages, Returning to the UK, Right To Buy, Second Home Finance, Self Employed Mortgages.

    We are especially experienced at assisting people to find mortgages with Arrears, Adverse Credit, Bankruptcy Defaults, County Court Judgement's (CCJ's) and Late Payments on their Credit Record.


    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 £795 and £995 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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