Latest news
All articles
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.
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 than you might expect. At Orton Financial, we arrange up to 85% loan-to-value on an interest-only basis—helping you secure your dream property with lower monthly outgoings and greater financial freedom.
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 distributions and retained balances into a practical way to reduce mortgage interest while keeping cash accessible for tax,...
Deed of Variation for Mortgages: What Buyers Need to Know
When buying or selling a property, especially leasehold, a deed of variation may be essential to satisfy mortgage lender requirements. This legal document allows changes to restrictive clauses—such as ground rent terms or forfeiture rights—that could otherwise block a transaction. Understanding when and why a deed of variation is needed can save time, money, and stress during conveyancing.
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.
Evening & Weekend Mortgage Advice: Talk to an Expert Outside 9–5
Need mortgage advice but can’t make 9–5? Discover how to book evening and weekend appointments with expert mortgage advisors, what to expect and top providers
Securing a Home for Dependant Relatives as an Expat
Expats can access specialized UK mortgages for dependent relatives, with no geographical restrictions for those earning in EUR, CHF, or USD. Immediate family members can live rent-free, provided proof of income and credit history are met.
Mortgage Considerations for US Nationals Relocating to the UK
For US nationals relocating to the UK, securing a mortgage strategically can help reduce inheritance tax liability while ensuring favourable financing. With loans available up to 95% for residential purchases and 75% for investment properties, planning ahead is key to optimising tax efficiency.