HIV Life Assurance and HIV Mortgage Advice

Unusual Risks are the UK’s leading firm of financial advisers, dedicated to looking after people living with HIV. Our lead financial adviser Chris Morgan has been advising people with HIV for nearly 20 years. He led a 10 year campaign which resulted in the introduction of HIV Life Assurance for the HIV Community.

Earlier this year Chris Morgan and Unusual Risks consulted on the National Aids Trust – HIV & Finance Report ! Here are a few of the results from that report.


Even though Life Assurance and Life Insurance products have been available since 2009, it was recently reported by National Aids Trust in their HIV & Finance Report that 49% of people living with HIV thought Life Assurance was still unavailable to them and 60% of respondents to their survey had avoided applying for a financial product due to their HIV status. 35% knew or suspected they had been refused a financial product due to their health status.


Even though Mortgages have always been available to people living with HIV, it is our belief that the three statistics above have impacted hugely on the amount of people with HIV applying for mortgages and owning their own homes. Many people have delayed purchasing a property or applying for their Right to Buy their local authority home, because of the “Financial Exclusion” issues referred to in the National AIDS Trust Report.


Unusual Risks and Unusual Mortgages are here to help!

There are a number of reasons that someone may be unable to secure a mortgage on a property, health status is only one of them. Complex Mortgage situations can arise due to a variety of reasons. These are the main “Complex Mortgage” areas which we can offer our advice for people living with HIV. Here’s a list of mortgage situations that we are experienced at arranging to applicants.

Adverse Credit Mortgages, Buy to Let Mortgages, Complex Mortgages, Debt Consolidation, Expatriate Mortgages, Landlord Mortgages, Let to Buy Mortgages, Multiple Mortgages, Professional Mortgages, Re Mortgages, Right To Buy, Self Employed Mortgages.

We are especially experienced at assisting people to find mortgages with Arrears, Adverse Credit, Bankruptcy Defaults, County Court Judgement’s and Late Payments on their Credit Record. We offer a free “15 Minute Mortgage Assessment” without obligation, if you are unsure if you can secure a Mortgage.

Unusual Risks are the UK’s leading financial advisers offering advice to clients living with HIV or Hepatitis on HIV Life Assurance, HIV Life Insurance, HIV Mortgages, Hepatitis C Life Assurance, Hepatitis C Life Insurance, Hepatitis C Mortgages.

They are also the UK’s leading experts at planning Life Assurance and Mortgages for HIV Positive Families and are able to assist HIV Positive people looking for advice on their Pensions and Investments.

For more information about these services please contact Unusual Risks Mortgage & Insurance Services by phone 0845 474 3075. Email or visit us online at

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