Non-Standard Property Insurance · Mortgage Advisor Specialist

Non-standard properties shouldn't cost your clients their mortgage.

I help UK mortgage advisors place specialist property insurance — thatched, listed, unoccupied, flood risk — so non-standard properties don't stall mortgage completions.

Book a Free Call Request Placement Taster
Free Placement Taster
Which MGA to Call · Questions to Ask · What to Prepare
24-Hour Turnaround · No Client Data Required
Mortgage Advisors · Non-Standard Property Specialists
The Problem

20% of non-standard property cases
are declined. Without telling the client where to go.

01 A mortgage advisor receives a case for a non-standard property — thatched roof, listed building, unoccupied, flood risk, subsidence, non-standard construction. The lender requires specialist property insurance as a condition of the mortgage offer.
02 The advisor doesn't know which specialist insurer handles this property type. They search online, call a generalist broker, or tell the client to sort it themselves. The case stalls.
03 Without insurance, the mortgage doesn't complete. The advisor loses commission on a client they have worked with for months. The client loses their property purchase.
04 79% of brokers saw increased non-standard enquiries last year. 88% say providers should redirect these cases to specialists — but most don't. Prestige Underwriting Broker Survey, Feb–Mar 2025, 99 brokers
05 20% of non-standard property cases are declined by standard insurers with no referral to a specialist — one in five clients falls off the desk with nowhere to go. Insurance Times, 2025

"When a lender requires specialist property insurance as a condition of a mortgage offer — thatched, listed, unoccupied, flood risk — how confident are you that your client won’t lose the deal because you couldn’t place it?"

— The question mortgage advisors with non-standard property clients can't always answer

Why this is different

I work inside the niche.
Not around it.

Generic Consultants

✕ No knowledge of non-standard home insurance or which MGA covers which property type
✕ Generic guides that treat thatched, listed, unoccupied, and flood risk as the same problem — they aren't
✕ Don't know what makes a case declinable before it reaches the MGA — so the first call fails and the case stalls
✕ Can't distinguish between MGA appetites — Prestige vs Magenta vs Plum vs Geo for the same property type
✕ Advice is borrowed from the outside — not built from working inside the market

How I Work

✓ I work in non-standard home insurance at Gallagher — I know which MGAs take which risks, from the inside
✓ I built a decision routing tool used live at Gallagher — the Placement Guide is the productised version of that logic
✓ I know what makes a case declinable before you approach an MGA — saving you the failed call
✓ Free Placement Taster delivered within 24 hours — no commitment, no client data needed
✓ I build the guide — you don't manage another consultant relationship

The difference between a tool that understands your world and one that doesn't is the difference between 2 minutes per call and a 3-month implementation project.

The Free Placement Taster

One property type.
24 hours. No cost.

01
Which MGA to Approach

Tell me the property type you most commonly get stuck on — thatched, listed, unoccupied, flood risk, or non-standard construction. I'll tell you exactly which MGA handles that risk, based on their published appetite guide. No guesswork. No failed first calls.

One property type · Free · 24 hours
02
What Questions to Ask First

The specific underwriting questions to ask your client before you approach the MGA — so the case doesn't get declined on the first call. Most cases fail because the wrong information was gathered upfront. This prevents that.

Underwriting questions · No client data needed
03
What Documentation to Prepare

The exact documents the MGA needs to see before they'll quote. Getting this right on the first submission is the difference between a deal that completes in days and one that drags for weeks — or doesn't complete at all.

Document checklist · Ready to use immediately
What Gets Built

Three products. One structured
non-standard placement solution.

How every engagement works

1
Free Placement Taster first
Before any paid work, I send you the routing for your most common non-standard property type — which MGA to call, what to ask, what to prepare. You see the value before we discuss anything else.
2
20-minute discovery call
I understand your typical non-standard caseload — which property types you see most, where cases stall, what your clients' lenders typically require. The Placement Guide is built around your specific mix.
3
Placement Guide built and delivered
A fixed fee agreed upfront. The bespoke guide — covering your property types, the right MGAs, the right questions, the right documents — delivered within two weeks of the discovery call.
4
DA Navigator if needed
For firms with multiple advisors or admin staff handling non-standard cases, the DA Navigator puts the routing logic into a dynamic tool. Added after the Placement Guide is proven.
About
Sam Dankyi

Sam Dankyi

Founder, P Consulting

Built from the inside.
Not from the outside looking in.

I work in non-standard home insurance at Gallagher, where I spend every day handling complex property cases — unoccupied properties, listed buildings, flood risk, unusual construction, gap in cover decisions. I understand exactly where mortgage completions stall when a lender requires specialist insurance the advisor can't place.

I started P Consulting because the tools available to specialist brokers don't reflect how this market actually works. Everything is either built for large composite insurers or designed by people who have never handled a thatched property or a flood-risk renewal. The gap between what a broker documents after a complex call and what the FCA expects to see — I live that gap every day. That's why I built these systems.

I work with a small number of mortgage advisors at a time. If you're interested in the free Placement Taster, the best first step is a short call.

Book a Call with Sam →
⬡

Every deal you couldn’t place
is commission you didn’t earn.

One rescued mortgage completion covers the cost of the Placement Guide. The Placement Taster is free, takes one email, and gives you the routing for your most common non-standard property type within 24 hours.

Free Placement Taster delivered within 24 hours. No client data required — just tell me the property type you most commonly get stuck on. No commitment to proceed.

Free Placement Taster

Request your free
Placement Taster.

Takes 2 minutes. Tell me the property type you most commonly get stuck on and I'll send you the MGA routing within 24 hours.

✓
Refer to a specialist broker
✓
Client finds their own insurance
✓
Completion stalls or falls through
✓
We try to place it ourselves
✓
Refer through our network or mortgage club
✓
Other
✓
Thatched properties
✓
Listed buildings
✓
Unoccupied properties
✓
Flood risk
✓
Other
Please fill in all required fields before submitting.

Placement Taster sent within 24 hours.
No client data required.

Preparing your Placement Taster

Reading your responses
Assessing firm profile
Identifying your property types
Matching to MGA appetite
Preparing your taster
Placement Taster Confirmed · samueldankyiconsulting.co.uk
What happens next

I'll send your Placement Taster within 24 hours — which MGA to approach for your property type, what questions to ask, and what documentation to prepare. No client data needed.