Orton Financial
Experts in bespoke and high value mortgages
Orton Financial provides specialist financial advice for land and property in the UK. Our clients include Expats and Foreign Nationals.
Our Services
Million Pound plus Mortgages
Expert
Access to specialist lenders
Mortgages for professionals
Dedicated
Market-leading terms for professionally qualifed clients
Entrepreneur
Personalised
Tailored advice based on in-depth knowledge
complex ownership
Resourceful
Solutions for non-standard cases
Short term finance
Efficient
Bridging loans from private banks
Young Professional
Focused
Open to professionals at the start of their careers
Recent case studies
Successful Buy-to-Let Remortgage for Expat Veterinarians in Canada
A young veterinarian couple in Canada faced challenges remortgaging their UK property. We resolved an adverse credit issue and advised an interest-only mortgage. Leveraging our lender relationship, we secured a competitive buy-to-let mortgage, ensuring their financial stability.
Innovative Financing Strategy Helps Growing Family Secure New Home
A couple upgrading their home secured a mortgage using net profit after tax, overcoming traditional assessment challenges. Timing the sale of their buy-to-let property ensured a smooth transition, highlighting the importance of flexible lenders and personalized strategies.
Securing a Mortgage for UK Expats Returning from Italy
UK expats in Italy needed a mortgage to buy a £465,000 property in Derbyshire before Christmas. Despite the challenge of one applicant’s self-employment, we secured a 90% LTV mortgage based on the other applicant’s income. They successfully purchased their new home and relocated to the UK.
Expat in Saudi Arabia Purchasing a New Home in the UK
UK expat working in Saudi Arabia, looking to purchase a new property in the UK for their family. We had arranged their previous mortgage, and due to the complexities in their situation, required our services.
Triumph Over the Expat Mortgage Maze: From Ireland to Bristol
We secured a £240,000 expat residential mortgage for a UK passport holder working in Ireland, enabling the purchase of a property in Bristol. By verifying their income from Ireland, the client can now comfortably live between Ireland and England.
First-Time Buyers – Navigating Self-Employed and Employed Income for Their Dream Home in Wales
A young couple, one self-employed, faced challenges proving income to buy their first £560,000 home. HSBC offered the best rates, leveraging one applicant’s Premier account eligibility. They secured a 90% LTV mortgage of £504,000 and successfully purchased their home.
Recent articles
Nationwide Introduces More Flexible Lending Criteria
Nationwide Updates Lending Criteria From 17th March, Nationwide has increased LTV limits for interest-only mortgages and foreign nationals, removed the 25% own-resource deposit rule, and eased access to loans for diverse borrowers.
Navigating Property Purchases with Annexes: A Guide for Expats
Expats face unique challenges when securing mortgages for properties with annexes. Lender criteria vary, especially for non-standard constructions, but a skilled broker can simplify the process. With the right guidance, expats can confidently achieve their homeownership goals.
From Shares to Mortgages: Boosting Borrowing Capacity for Directors
Self-employed individuals face unique challenges when securing a mortgage, especially when leveraging company share incentives as income. This article explores shareholding thresholds, income assessment differences, and essential documentation. Learn how to enhance borrowing potential and secure your dream home by consulting specialist lenders.
Lender Elevates Borrowing Limits: Up to 5.5x Income
A lender has increased its loan-to-income (LTI) multiples to 5.5 times salary for higher earners, enhancing accessibility. Those earning over £40,000 can get an LTI of up to 5x, while those with higher incomes can access up to 5.5x. The scheme is inclusive, offering a flexible 2-year fixed rate and accepting foreign currency and seafarer applicants without deductions.
Base Rate Cuts Boost Mortgage Affordability: What You Need to Know
The recent base rate reduction to 4.5% has improved mortgage affordability by lowering stress test thresholds. Santander’s updated calculations and brokers’ best pricing access enable easier borrowing. As the Bank of England’s next decision on March 20, 2025, approaches, further cuts may enhance affordability even more.
Directly Authorised Brokers: Your Advantage in the Mortgage Market
Choosing a directly authorised mortgage broker ensures you get expert, regulated advice tailored to your needs. With access to a wide range of products and transparent service, they put your best interests first.