Complex finance, expertly handled.
Whether you are a professional with complex income, a high-net-worth individual acquiring significant property, or navigating an intricate ownership structure, we find the mortgage others can’t.
Whole of market including private banks · Mortgages from £500k to £30m+
Specialist mortgage advice for significant borrowers
We advise clients buying in London, the Home Counties, Bristol and Bath, typically with household incomes from £150,000 and loans from £500,000 to £30m+.
Professionals
Law firm partners, barristers, consultants and finance professionals, assessed on full compensation including bonus, RSUs and partnership profit.
Professional mortgages →Private clients
Million-pound-plus purchases through private banks, lending on total wealth, investments and business equity, not just salary.
High-value mortgages →Business owners
Founders, directors and shareholders whose income sits in the company, including post-exit and asset-backed lending.
Entrepreneurs →Portfolio landlords
Large buy-to-let portfolios, limited company and SPV structures, refinancing across many properties and lenders.
Portfolio lending →Complex structures
Trusts, offshore companies, unusual property and time-critical purchases that need bridging or high LTV.
Complex ownership →International clients
UK expats, returning residents and foreign nationals with overseas or foreign-currency income.
Expat mortgages →Proof, not promises
A selection of lending arranged by Luther Yeates and the Orton Financial team. Client details withheld.
Independent, whole of market, negotiated for you
We are a directly authorised brokerage with access to private banks, specialist lenders and the high street. At this level the best terms are rarely published: they are negotiated. We present your case to the lenders most likely to say yes, and push for the structure that suits your wider finances.
One adviser handles your case from first conversation to completion.
- Private bank access without moving your investments
- Complex income presented the way underwriters need it
- Speed when a purchase cannot wait
- Discretion throughout
Recent work
High LTV Bridging Loan Helps Legal Duo Buy Dream Estate in the English Countryside
Beyond Traditional: High Loan-to-Value Bridging Loan Success Story…
Read →Navigating the Financial Landscape of a £2.7 Million Property Purchase
Ever find yourself scrolling through Rightmove, captivated by the weird and wonderful properties, dreaming of making one your own?…
Read →Structuring a Complex Development Exit and Long‑Term Letting Strategy
A development client approached Orton Financial with four newly built homes held in a trading company — but shifting market conditions meant selling w…
Read →Rated 5.0 on Google from 52 reviews
“We asked Luther Yeates to help us finance our house purchase in Fulham, London. We needed some with experience in dealing with income in Euro. Luther was very good at swiftly identifying the best mortgage providers to allow this. His great link and access to the chosen Lender’s underwriting team meant that my mortgage was put in place in time and in a vert smooth way, including dealing with last minute necessary changes. We are extremely satisfied about Luther’s professionalism and the outcome of his work. We would definitely work with him again and we highly recommend him”
Mr. Maton
“It was the sheer professionalism which was standout from the off with this company, combined with the meticulous detail that was of paramount importance to me in regards to our financial scenario. The mortgage being dealt with was never going to be straight forward, however Luther was on hand out of hours and excelled in his communication making things much easier.I’ve worked with many consultants over the years through many economic headwinds, this was by far up there with a service level very rarely encountered.”
Christopher Martin
“Luther helped me secure the house I wanted to buy before I’d completed the sale of my previous house. He arranged a private bank loan, secured partially against both the old and new properties to cover the bridge period and then dealt with the refinancing of that loan into a traditional mortgage on the new property once the first property had sold. His communication was excellent throughout and the products he arranged were both a perfect fit for my requirements and, in my opinion, extremely cost effective.”
Dan Chester
“Consistently one of my top introducers: meticulous, clear, and considered one of the best in the industry.”Victoria Burlison, Investec Private Bank
Guidance for professionals and private clients
Equity Partnership Loans: What Employers and Employees Need to Know About Mortgage Affordability
Employer equity-partnership loans are tax-efficient and increasingly common — but a persistent myth has employees and brokers alike assuming the loan …
Read →Offset Your Way to Financial Efficiency: What Barristers and LLP Partners Need to Know
We specialise in arranging and comparing offset mortgages for barristers and LLP partners. We help convert irregular fee income, partnership distribut…
Read →How to Borrow 85% on a Second Home — With Interest-Only Mortgages
Thinking of buying a second home for personal or family use? Whether it’s a coastal retreat or a countryside escape, financing can be more flexible th…
Read →Speak directly to a partner
Luther Yeates
Founder & Partner · CeMAPArranged the £20m purchase, the £13m loan and the £20m+ portfolio. Specialises in private bank, professional and complex lending.
Louis Levine
Partner · CeMAPAdvises professionals, expats and international clients on residential and buy-to-let lending.
Supported by Megan, Zoe, Georgia, Sarah, Emily and Molly. Client office: Suite 14, 18 Whiteladies Road, Clifton, Bristol BS8 2LG. Registered office: Unit 7b, Maritime Business Centre, Falmouth TR11 4SZ. Kernow Mortgages is a trading style of Orton Financial Ltd for clients in Cornwall.
Discuss your requirement in confidence
Share the outline of your purchase or refinance and we will come back with indicative terms. No call centre, no obligation.