Tag Archives: Zero Broker Fee

Home Equity Release – Lifetime Mortgage Report – Spring 2019 – Part 1

What is the average amount borrowed on Lifetime Mortgages? Every quarter the Home Equity Release Council release their latest industry figures, with the aim to raise the profile of Lifetime Mortgages. Over the last decade they have worked very hard to improve the standards of the products and financial advice standards available to consumers. This […]

Lifetime Mortgages For Over 55’s – The Cost Of Getting The Wrong Product – Part 2 …

Would you pay a £10,000 redemption penalty to move Lifetime Mortgage? One national newspaper recently reported that a couple had recently done exactly that and paid a £10,000 redemption penalty to escape their “Sky-High Equity Release Rate”, in order to secure a better long term interest rate deal on their Lifetime Mortgage. If you visit […]

Lifetime Mortgages For Over 55’s – The Cost Of Getting The Wrong Product – Part 1 …

The long term cost would have been £60,000 for one recent client! Whilst researching a recent Lifetime Mortgage case it was apparent there were a number of potential lenders willing to advance the £156,000 lump sum that was required by my client. However, the cheapest fixed interest rate available to our client was 0.82% less […]

WHY WOULD YOU? … Pay Advice Fees When Arranging Any Lifetime Mortgages?

Leading The Way by Chris Morgan “The Lifetime Mortgage Expert” is leading the financial industry in helping consumers to find the best Lifetime Mortgage advice, without any broker fees. For those withdrawing £50,000 or more from the property (which is around half of the national average withdrawal), we are able to provide this service without […]

BUY A NEW HOME and MAXIMISE PROPERTY ASSETS – USING LIFETIME MORTGAGES

DOWNLOAD YOUR FREE QUICK GUIDE TO LIFETIME MORTGAGES AT OUR WEBSITE LINK AT THE END OF THIS ARTICLE. THIS GUIDE IS TOTALLY FREE WITHOUT US TAKING ANY OF YOUR PERSONAL DETAILS, CALL US IN YOUR OWN TIME, INSTEAD OF US CALLING YOU ! Real Life Situations by Chris Morgan Geoff, Aged 68 and Margaret Aged […]

REPAY YOUR INTEREST ONLY MORTGAGE and WITHDRAW LUMP SUM WITHDRAWAL – USING A LIFETIME MORTGAGE

DOWNLOAD YOUR FREE QUICK GUIDE TO LIFETIME MORTGAGES AT OUR WEBSITE LINK AT THE END OF THIS ARTICLE. THIS GUIDE IS TOTALLY FREE WITHOUT US TAKING ANY OF YOUR PERSONAL DETAILS, CALL US IN YOUR OWN TIME, INSTEAD OF US CALLING YOU ! Real Life Situations by Chris Morgan Eric, Aged 67, With large existing mortgage, […]

WITHDRAW CAPITAL and CREATE CASH RESERVES – USING LIFETIME MORTGAGES

DOWNLOAD YOUR FREE QUICK GUIDE TO LIFETIME MORTGAGES AT OUR WEBSITE LINK AT THE END OF THIS ARTICLE. THIS GUIDE IS TOTALLY FREE WITHOUT US TAKING ANY OF YOUR PERSONAL DETAILS, CALL US IN YOUR OWN TIME, INSTEAD OF US CALLING YOU ! Real Life Situations by Chris Morgan Names: James (45) his parents, both aged […]

REPAY YOUR INTEREST ONLY MORTGAGE – USING LIFETIME MORTGAGES

DOWNLOAD YOUR FREE QUICK GUIDE TO LIFETIME MORTGAGES AT OUR WEBSITE LINK AT THE END OF THIS ARTICLE. THIS GUIDE IS TOTALLY FREE WITHOUT US TAKING ANY OF YOUR PERSONAL DETAILS, CALL US IN YOUR OWN TIME, INSTEAD OF US CALLING YOU ! Real Life Situations by Chris Morgan Names: John and Marcus, Ages 55 and […]

Introducing “The Lifetime Mortgage Expert” – 30 Years Banking and Financial Services Experience

Adviser 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 […]

  • 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 at the link below this column. 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.

    Qualications …

    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 £100,000 or more are likely to save themselves an average of £1210* 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 advice fees equivalent to a weekend break away? Chris is always interested to hear which destination you would choose with the money you will save?

    *Please Note: 

    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 (without ongoing monthly payments) where the initial lump sum withdrawal is £100,000 or more (this is not including cash reserve) instead we receive a commission from the mortgage lender.

    If you wish to draw less than £100,000 we may charge a small fee to ensure a minimum total earning of £1995. Please contact us for a specific quotation. In the Lifetime Mortgage Survey 2019, the average broker fee being charged by a financial adviser for arranging a lifetime mortgage was £1210 and the largest fee charged was £2395

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