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...
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...
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...
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...
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...
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,...
