Lifetime Mortgages – “Qualified Advice, Zero Broker Fee*”

Unusual Mortgages are Independent Mortgage Advisers who specialise in Lifetime Mortgages, Retirement Mortgages and Regulated Equity Release for over 55’s. Our resident “Lifetime Mortgage Expert” is Chris Morgan who has 30 years experience in Banking, Finance and Mortgage Advice. You can read his career biography across the page. We have agencies with all the major lifetime mortgage providers and are able to provide Independent advice from the Whole of the market.

Products . . .

The concept of Lifetime Mortgages, Retirement Mortgages and Regulated Equity Release for over 55’s has grown massively over the last 20 years. It is very true that the initial products that were released into the market received poor press and were not popular. However, in more recent times these products have become highly regulated, with product providers having to meet industry standards and provide certain assurances and guarantees over negative equity – we think this is a very good thing.

Qualifications . . .

Financial Advisers also have to pass a higher level qualification to be able to arrange Lifetime Mortgages, Retirement Mortgages and Regulated Equity Release. However, we have noticed that consumers have been left with a difficult choice between “chicken farm” financial advice by companies offering these products in huge volume, or local financial advisers who rarely are asked for advice in this area. Your alternative is to approach Chris Morgan, the UK’s leading Lifetime Mortgage Expert, who specialises in mortgage products for people over 55 without charging a broker fee*.

Fees . . .

He offers highly experienced “Qualified Advice, Zero Broker Fee”, which means those drawing £50,000 or more are likely to save themselves an average of £1281* in brokers fees. Instead of offering you a free pen, calculator or shopping vouchers with your quotation, we offer you enough of a saving on your advice fees equivalent to a nice weekend break away? Chris is always interested to hear which destination you would choose with the money you will save?

You can read Chris Morgan’s Lifetime Mortgage blog here www.lifetime-mortgage.expert 

 

 


Career Biography - Chris Morgan, FPC, CeMap, CeRER

Chris Morgan is the “Lifetime Mortgage Expert” at Unusual Mortgages, with 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 was the 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.

Awards . . .

He is a former Barclays Young Business Person of the year and a finalist in the Financial Times FT Adviser, Mortgage Adviser of the Year. He has also been a nominee at the European Diversity Awards for his campaigning work within human rights. Chris is one of the most consumer and media friendly financial advisers in the UK and has made many television appearances including GMTV presented by Lorraine Kelly, Simply Money on Sky Digital presented by Angela Rippon and The Money Channel presented by Gavin Campbell as their resident Financial Adviser.

Media . . .

He has contributed many features and interviews for consumer facing radio and media titles such as BBC Radio, Guardian Money, The Independent, The Financial Times, The Observer, Evening Standard, Money Observer, Real Money, The Telegraph, The Times and Time Out. He has also worked with many leading financial industry titles such as Cover Magazine, FT Adviser, Money Marketing, Mortgage Finance Gazette, Mortgage Introducer, Mortgage Strategy and Professional Adviser.

Experience . . .

With all of this qualified experience and knowledge at your service without a broker fee, firstly why would you try to arrange this type of product directly yourself through a product provider? And secondly why would you pay a broker a fee of up to £2395*, when you could get the same service without paying a fee? In our opinion high broker fees have little baring on the quality of advice you will receive, as Lifetime Mortgages are only offered by a small select group of product providers.

You can download our “Free Quick Guide To Lifetime Mortgages” here

 





 


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*Lifetime Mortgage Expert is a Trading Style of Unusual Mortgages who are authorised and regulated by the Financial Conduct Authority. Registration number 497173. We do not charge a broker fee for Lifetime Mortgages, Retirement Mortgages and Regulated Equity Release where the initial lump sum withdrawal is £50,000 or more (this is not including cash reserve) instead we receive a commission from the mortgage lender. If you wish to draw less than £50,000 we may charge a small fee to ensure a minimum total earning of £995. Please contact us for a specific quotation. In the Lifetime Mortgage Survey 2018, the average broker fee being charged by a financial adviser for arranging a lifetime mortgage was £1281 and the largest fee charged was £2395.