Complex Finance,
Expertly Handled.
Whether you're 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 access including private banks · Mortgages from £500k to £30m+ · UK & international
WHY PROFESSIONALS AND PRIVATE CLIENTS CHOOSE ORTON FINANCIAL
We specialise in mortgage cases that require more than a standard application. Whether your income is complex, your structure is unusual, or your acquisition is significant — we have the lender relationships and expertise to deliver.
Access to Private Banks
Complex Income, no problem
Discreet, dedicated advisor
UK & International reach
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As Featured In
Our mortgage services – UK wide expertise
High-Net-Worth Mortgages
For complex income or large loan requirements, you need bespoke solutions.
Our team works with private banks and specialist lenders to secure competitive rates for high-value properties.
Complex Ownership Mortgages
Buying through a trust, company, or joint ownership? We’ll make it simple.
Our experts handle intricate structures and source bespoke solutions from specialist lenders, ensuring your plans stay on track.
Entrepreneur Mortgages
Running your own business shouldn’t hold you back from owning a home.
Our team specialises in mortgages for entrepreneurs, using a deep understanding of complex income to find lenders who value your success.
Mortgages for Professionals
Specialist mortgages for doctors, lawyers, and other professionals.
We work with lenders who understand your career path and income structure, securing competitive rates and flexible terms tailored to your profession.
Self-Employed Mortgages
Being self-employed shouldn’t make getting a mortgage harder. We specialise in finding lenders who understand your income.
Get tailored advice and access to deals designed for freelancers, contractors, and business owners
Bridging and development finance
Fast, flexible funding for property transactions and development projects. From short-term bridging loans to full development finance, we arrange tailored solutions to help you move quickly and complete with confidence.
Buy-to-Let Mortgages
Investing in property? We’ll secure competitive buy-to-let mortgage deals and guide you through the process..
Whether you’re a first-time landlord or building a portfolio, we provide expert advice to maximise your returns.
Professional & Entertainment Finance
Specialist, discreet finance for professional athletes and entertainment professionals. We structure tailored solutions around complex income profiles, ensuring fast, flexible access to funding when it matters most.
Other services
Beyond mortgages, we offer a range of financial solutions to support your lifestyle and goals.
From insurance to protect what matters most, to premier banking for tailored wealth management, and foreign exchange services for seamless international transactions—our team ensures you have expert guidance across all areas of your financial journey.
We Can Open Doors to Thousands of Mortgage Options
Purchase Products
Re-Mortgage Products
Mortgage Products with Private Banks
How It Works
Step 1: Book Your Free Consultation
Step 2: Get Tailored Mortgage Advice
We’ll guide you through the whole process, offering advice based on your specific needs and circumstances.
Step 3: Receive Your Best Mortgage Offer
Step 4: We Handle the Paperwork
Meet Your Advisors
At Orton Financial, we’re proud to have a dedicated team of mortgage experts based in both Bristol and Cornwall, working together to support clients across the UK and internationally.
Whether you’re a first-time buyer, an expat purchasing from overseas, or a landlord expanding your portfolio, our advisers bring a wealth of experience and a personal approach to every case.
Bristol office
Our Bristol-based team specialises in helping clients across the UK and overseas. Friendly, experienced, and always client-focused.
Cornwall office
Based in Cornwall, this team supports clients locally and internationally. Strategic, knowledgeable, and here to help.
Recent case studies
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 was no longer viable. The client wanted to retain and let the units, yet faced tax risks, lender restrictions, title issues, and an outstanding development loan.
Orton Financial engineered a two‑lender structure that allowed the titles to be split on completion, the properties transferred into a new SPV without stamp duty, and the development facility repaid efficiently — avoiding tax crystallisation and enabling a clean transition into long‑term investment.
EWS1 Mortgage Update: Six Months On – Challenges Continue, But Solutions Exist
Six months on, EWS1 issues still delay mortgages—especially reports from Tri Fire. Some surveyors even request EWS1 forms for properties with no cladding. We offer mainstream mortgage solutions that don’t require EWS1, saving time without compromising on price.
Unlocking Potential: How to Fund and Renovate Your Next Property
When time was tight and the financial picture complex, we helped our client secure a bridging loan to purchase and renovate their future home—while retaining their current property. With tailored advice and a fast turnaround, we turned a challenging situation into a smooth transition.
Recent articles
Why You Must Check Extensions, Planning Permission and Building Regs Before Buying a Property
Extensions, alterations and missing permissions are among the most overlooked risks when buying a home. Solicitors and lenders may not flag them. At Orton Financial, we help clients stay protected by spotting issues early and guiding them toward the right checks.
Worried About Interest Rates Rising? Secure Your Mortgage Rate for 6 Months Today
Concerned about rising interest rates? Secure your mortgage rate for up to 6 months and protect your next deal with expert guidance from Orton Financial.
EWS1 Mortgage Update: Six Months On – Challenges Continue, But Solutions Exist
Six months on, EWS1 issues still delay mortgages—especially reports from Tri Fire. Some surveyors even request EWS1 forms for properties with no cladding. We offer mainstream mortgage solutions that don’t require EWS1, saving time without compromising on price.