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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Mortgage expertise, wherever your circumstances sit
From straightforward purchases to complex income and ownership structures, our advisers work across the full range of UK mortgage lending.
High-Net-Worth Mortgages
Bespoke solutions for complex income or large loan requirements, through our private bank network.
Complex Ownership Mortgages
Buying through a trust, company, or joint ownership — structured properly from the outset.
Buy-to-Let Mortgages
Competitive deals for first-time landlords and those building a wider property portfolio.
Self-Employed Mortgages
Tailored advice and access to lenders who understand freelance, contractor, and business income.
Entrepreneur Mortgages
Lenders who take a genuine view of complex business income, not just a payslip.
Mortgages for Professionals
Specialist rates and terms for doctors, lawyers, and other career-track professionals.
Professional & Entertainment Finance
Discreet, tailored finance for athletes and entertainment professionals with complex income profiles.
Bridging & Development Finance
Fast, flexible funding for property transactions and development projects, from short-term bridging to full development finance.
Insurance & Protection
Cover to protect what matters most, alongside your mortgage.
Premier Banking & FX
Tailored wealth management and foreign exchange services for seamless international transactions.
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
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
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 balance is simply deducted from mortgage borrowing power. Here’s what actually happens
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.
What our clients say
It was a pleasure to work with Louis and Zoe throughout my mortgage application, and the whole team at Orton Financial made the entire process smooth and helped ease any concerns and anxieties. They are experts in assisting with expat applications and were able to answer all my questions quickly and clearly. Wouldn't hesitate in dealing with Orton again should the need ever arise.
I can't recommend Luther highly enough, he is genuinely excellent. He helped me find a mortgage for my first home in 2020 and recently supported me in remortgaging that and purchasing a second home. The latter purchase was drawn-out and complicated but Luther worked really hard and succeeded in finding a willing High Street lender. I'm self-employed and Luther made dealing with all of the paperwork straightforward.
We worked with Luther and Megan on our house purchase, and couldn't be happier with the service we received! The team take a very personal, hands-on approach and made what could have been a stressful process feel completely manageable from start to finish.