All 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.

Helping a Nurse Achieve Homeownership on London’s Outskirts

A nurse overcame the challenges of single-income home buying near London with the help of a gifted deposit and a tailored mortgage plan, achieving affordable monthly payments and realizing her dream of homeownership.

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 London Housing Market for First-Time Buyers

A first-time buyer faced challenges due to London’s high property prices. She needed guidance on schemes, managing payments, and finding a lender considering her commission income. We explored schemes and guided her through the mortgage process. Our support led her to successfully purchase her first property.

Smooth Remortgaging Success: A Tale of Lodgers, Credit Issues, and a Better Rate

Facing credit issues and a unique lodging arrangement, a London homeowner successfully navigated challenges to remortgage their property. In just one week, they secured a better rate and avoided their previous lender’s variable deal.

Unlocking Equity to Secure a Dream Property in Italy

A self-employed couple overcame valuation and income verification challenges by choosing private banking to unlock equity from their unique property. This allowed them to purchase a holiday home in Italy, fulfilling their dream of a family retreat while opening up rental income opportunities.

Navigating Mortgage Deadlines: How Early Planning Secured a Better Deal

With time running out and rates rising, our client sought urgent mortgage assistance. We swiftly locked in competitive rates, monitored market shifts, and leveraged a property revaluation to unlock better terms. By acting strategically, we secured the best possible mortgage deal while avoiding financial risks.

London Homeownership Made Possible: Overcoming Shared Ownership & EWS1 Challenges

Faced with an EWS1 certification challenge that threatened delays, the client pivoted to a more flexible lender, ultimately securing financing and achieving full ownership of their London flat through strategic decision-making and adaptability.

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.

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.

Navigating London’s Property Market: A Couple’s Successful Journey

A couple overcame the challenge of an additional Stamp Duty surcharge and secured a 90% LTV mortgage to buy a £725,000 London home, with advice on reclaiming the surcharge by selling their rental property within 36 months.

Challenges of Buy-to-Let Over Commercial Premises

Area: London Amount Raised: £500k Raising finance on buy-to-let properties situated above commercial premises is always a challenge. This is primarily due to the potential disruptions these properties can cause, which reduce the...

Case Study: High Loan-to-Value Mortgage for Second Residential Home

Application to offer within 3 working days for a second home purchase. A challenge at 90% Loan to Value

Case Study: Overcoming the Cryptocurrency Mortgage Challenge

Luther Yeates, a broker at Orton Financial LTD, successfully secured a £3.6 million mortgage for a client whose income was derived entirely from a self-created cryptocurrency.