What’s the difference between short-term lending and bridging loans?

Short-term loans often offer lower rates and flexible terms, ideal for borrowers with strong credit. Bridging loans are costlier but faster to access, with looser eligibility.

Can I get a short-term mortgage for a buy-to-let property?

Yes, short-term mortgages can fund buy-to-let purchases, offering speed and flexibility for landlords.

What are the best short-term mortgage deals available?

Rates typically range from 1% to 1.75% over base. The best deal depends on loan size, property, and credit profile.

Are short-term self-build mortgages available?

Yes, we offer staged short-term funding for self-builds and can help secure long-term finance after completion.

Are there any upfront lender fees?

Most lenders charge no application fees. Offers are usually made subject to valuation before any fees apply.

First Time Buyer | Orton Financial

Helping First-Time Buyers Get on the Property Ladder

Buying your first home is a major milestone — but in today’s competitive property market, rising prices and high demand can make it feel overwhelming. That’s why having the right mortgage support is essential.

We’ve helped countless first-time buyers across the UK take their first step onto the property ladder. Our advisors combine market insight with tailored guidance, helping you navigate the process with clarity and confidence.

We know that behind every mortgage is a life goal, and we’re here to help you achieve it.

5-Star Reviews



Mortgage Experts

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Expert Mortgage Help for First-Time Buyers

Our services

ISA and LISA

Ensuring your hard-earned savings can be utilised towards your first purchase

Different Help to Buy schemes have caps on property value, or provide the benefit at a different stage of the process.

We can help ensure that you maximise the benefit from your account whilst securing your dream home.

Guarantor Mortgage

Solutions for borrowers with a guarantor

We provide advice on joint-borrower-sole-proprietor mortgages. This type of mortgage allows for a family member or a partner to help boost your borrowing capacity.

A common scenario is one or two parents acting as a guarantor for a child. Both parents will feature on the mortgage, alongside the first-time buyer. The property will only be owned in the name of the first-time buyer, meaning they still benefit from their reduced level of stamp duty.

In the future, the guarantor aspect of the mortgage can be removed. Returning the mortgage to a standard arrangement.

High Multiple

We provide expert assistance for a wide range of residential finance requirements, offering exclusive options of up to 95% LTV on income multiples up to 6x

For professional clients, or applicants earning £30,000 (or £50,000 joint), we can arrange loans with a minimum 6x loan to income. Income stretch options allow for 6.5x and 7x income.

For example, a couple earning £60,000 with a 10% deposit might be offered a loan of £269,400. With a high-multiple product, this increases to £360,000.

Additionally, we have no property restrictions; whether it’s a home with land, outbuildings, or annexes, we can tailor financing to meet your needs.

0% DEPOSIT

We provide expert assistance for first time buyers without a deposit.

Available to any current renter who hasn’t owned a property in the last 3 years

To be eligible, you must demonstrate you have paid all monthly rent for a minimum of 12 months, in the last 18 months.

This product is not available where the rent is shared with other non-borrowers.

Income multiples are restricted to a maximum of 5x.

Contact us today for a free, no-obligation quote.

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We Can Open Doors to Thousands of Mortgage Options

Purchase Products

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Hear from Our Happy Clients

      EXCELLENT  
   Based on 52 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Youbz 
 21/09/2026
 
 
 Trustindex verifies that the original source of the review is Google. Luther has been amazing, he has this amazing skill to make things that seem complicated so simple and resolve them. He has been a steady, consistent and reliable adviser throughout our process. Very professional, dedicated, clear and responsive.
We can only highly recommend his services.
  
 
      Posted on Google  
   
   Richard Churchill 
 28/08/2026
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
      Posted on Google  
   
   Eli Hantgan 
 07/05/2026
 
 
 Trustindex verifies that the original source of the review is Google. Great service and communication. Louis worked through my complicated setup (multiple countries and currencies) with ease and made the mortgage process extremely simple.
  
 
      Posted on Google  
   
   Pablo Pavon 
 20/02/2026
 
 
 Trustindex verifies that the original source of the review is Google. Louis was incredibly responsive and consistently clear in his explanations. He made every step of the process easy to understand and took the time to ensure I felt confident in each decision.
His support throughout has been outstanding, and he genuinely made the whole experience much smoother. Highly recommended!
  
 
      Posted on Google  
   
   Tim Marsden 
 12/02/2026
 
 
 Trustindex verifies that the original source of the review is Google. Louis helped us with a recent mortgage which completed on time, with no issues. This was despite challenging circumstances, short timeframes, and us being based overseas. Louis was very responsive, knowledgeable, and he got us a great rate. His advice was clear and practical, and having worked with many brokers, we were particularly impressed with Louis and the team. I'd recommend them to anyone looking for a broker.
  
 
      Posted on Google  
   
   Emma Salib 
 03/02/2026
 
 
 Trustindex verifies that the original source of the review is Google. 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 personalised approach and were always so responsive and helpful. Very happy to recommend!
  
 
      Posted on Google  
   
   Jill Lawson 
 28/01/2026
 
 
 Trustindex verifies that the original source of the review is Google. They were efficient, knowledgeable and very helpful throughout.  I would highly recommend them.
  
 
      Posted on Google  
   
   Craig C 
 27/01/2026
 
 
 Trustindex verifies that the original source of the review is Google. Once In a while you meet someone who is exceptional at what they do, Louis is exceptional! Unique circumstance as we were buying back home from out of the country. Louis was able to get the job done and get us a mortgage at the same rate like we lived locally. Clear understanding, impeccable and constant communication.

Can’t thank these guys enough.

Louis and Orton have some life long clients here, Craig and Nicole.
  
 
      Posted on Google  
   
   PS 
 24/01/2026
 
 
 Trustindex verifies that the original source of the review is Google. This review is a bit belated — but better late than never. I don’t leave many reviews, but Louis and the Orton Team absolutely deserve a special mention. Having dealt with many service providers as an expat, I’d rank the service they provided us last summer right at the top. Professional, punctual, and genuinely tailored to the customer. Thanks, Louis and team, for the excellent support and a great overall experience.
  
 
      Posted on Google  
   
   Martin Kuepker 
 02/12/2025
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic service, responsive and very helpful. Highly recommend using them as your broker

How Much Mortgage Can I Get?

One of the first questions every first-time buyer asks is: “How much can I borrow?”

The amount depends on factors such as:

Your income and employment type
Your deposit size
Your credit history
Monthly financial commitments

As a guide, first-time buyers in Bristol typically borrow between 4x and 6x their annual income. But the best way to get a clear picture is to speak with an adviser who can give you accurate, personalised figures.

Charming thatched cottage with colorful garden

Tailored Mortgage Services for First-Time Buyers

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Step-by-Step Guidance

From your very first call through to collecting your keys, we’ll be by your side. No jargon, no stress, just clear advice and support.

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Whole-of-Market Access

We compare deals from across the UK’s lenders, not just a handful of banks. This means you’ll always get the best options available to you.

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Specialist Advice

Whether you’re self-employed, have a smaller deposit, or even a less-than-perfect credit history, we can find a solution tailored to your situation

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Government and Local Schemes

We’ll explain how schemes such as Help to Buy, Shared Ownership, ISAs/LISAs, and Bristol-specific initiatives can make your first home more affordable.

Expat Mortgage Case Study: Buying a £1.05m UK Home While Working in Saudi Arabia

An expat couple relocating from Australia—one working in Saudi Arabia, the other in the UK—needed an 80% mortgage on a £1.05m home. We secured a flexible variable-rate loan through a specialist lender, tailored to their cross-border lifestyle.

Helping an Expat Secure a UK Mortgage Before Relocation

We helped a self-employed expat secure a UK mortgage before relocating from Portugal—using her UK credit history and a parental address. With just an accountant’s certificate, we bypassed the usual paperwork, and the loan was approved in just 4 days. She moved straight into her new build home without the hassle of renting or staying with family.

Maximising Mortgage Options: A Professional Couple’s Route to Property Ownership in Scotland

A Germany-based couple secured a mortgage in Scotland, overcoming challenges like translating payslips and managing dual-currency incomes, while avoiding expat mortgage restrictions. The loan was smoothly transferred after changing properties.

Navigating the Purchase of a Unique Equestrian Property for an Expat Client

An expatriate client employed in Saudi Arabia successfully purchased a UK property with equestrian facilities without relying on existing property sale proceeds or costly bridging loans. Renting out one property, choosing private bank lending, and securing a mortgage with overpayment flexibility ensured a smooth acquisition and strengthened their financial position.

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.

Why First-Time Buyers Choose Our Mortgage Advisors

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Market Knowledge

Our deep understanding of lender criteria, underwriting practices, and market trends allows us to match clients with the most suitable mortgage solutions.

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Independent and FCA Regulated

We act in your best interests, not the banks’.

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Proven Track Record

Years of helping first-time buyers just like you.

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No Hidden Fees

Transparent advice with a free initial consultation.

FAQ

What is the minimum deposit for a first-time buyer?

Most lenders require at least 5%, but some schemes and lenders allow for 0–5% deposits.

Can I get a mortgage with bad credit?

Yes, depending on your circumstances. We work with lenders who specialise in helping buyers with credit challenges.

Do I need a mortgage broker for my first home?

While not essential, a broker gives you access to far more lenders and takes the stress out of the process, saving you time and money.

How much can I borrow as a first-time buyer?

This varies depending on income and circumstances, but typically 4 to 6x annual salary. We can provide tailored figures after a quick consultation.

Is mortgage advice free?

Your first consultation with us is completely free. We’ll explain any fees clearly before you proceed.