by Luther | May 30, 2025 | Case studies, Lifestyle, Mortgage tips, Mortgage types
Client Background Our client approached us just one month before their existing mortgage deal was set to expire. They were unaware that they could secure a new mortgage product at least three months in advance, allowing them to lock in rates and potentially avoid...
by Luther | May 27, 2025 | Case studies, Case Study - London, Complex Mortgages, Mortgage tips, Mortgage types, News, Property conditions
Achieving full homeownership is a significant milestone, often perceived as a straightforward process when a buyer possesses a strong financial profile. However, as this case study illustrates, even seemingly uncomplicated mortgage applications can present unexpected...
by Luther | Dec 10, 2024 | Case studies, Case Study - London, Mortgage types, Property conditions
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 resale market and present a higher-risk...
by Luther | Dec 5, 2024 | Case studies, Mortgage tips, Mortgage types
Client Background Luther Yeates, a broker at Orton Financial LTD, was approached by a client seeking to purchase a new residential property. The client had created his own cryptocurrency, with all his income and assets held and derived from this cryptocurrency. His...
by Luther | Oct 6, 2024 | BTL, Mortgage tips, Mortgage types, Property conditions
Understanding the Article 4 Area An Article 4 area is a designated zone where additional planning controls are in place to manage the conversion of residential properties into HMOs (Houses of Multiple Occupancy). This is often done to prevent over-saturation of HMOs...
by Luther | Jul 3, 2024 | Mortgage types, Private Banks
Transfer from SPV to personal ownership At Orton Financial, we specialise in finding solutions for complex situations. One example involved a client who wanted to convert a previously rented property from their limited company (SPV) into their main residence. However,...