LONDON, Jan 4 (Reuters) - British mortgage approvals unexpectedly rose to a fresh 13-year high in November but consumer borrowing showed a record annual decline, monthly Bank of England data showed on Monday. British lenders approved 104,969 mortgages in November, in sharp contrast to the drop to 82,500 forecast in a Reuters poll of economists, while unsecured lending to consumers was 6.7% lower than in November 2019, the biggest drop since monthly records began in 1994. (Reporting by David Milliken and Andy Bruce)