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.

Residential Mortgages | Orton Financial

      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

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Client Feedback

What our clients say

Rated 5.0 on Google From 52 client reviews
Read all reviews on Google →

Richard Churchill

Google review · Expat purchase

G

★★★★★

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.

Heather

Google review · Self-employed, second home

G

★★★★★

I can't recommend Luther highly enough, he is genuinely excellent. He helped me find a mortgage for my first home in 2020 and recently supported me in remortgaging that and purchasing a second home. The latter purchase was drawn-out and complicated but Luther worked really hard and succeeded in finding a willing High Street lender. I'm self-employed and Luther made dealing with all of the paperwork straightforward.

Emma Salib

Google review · House purchase

G

★★★★★

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 personal, hands-on approach and made what could have been a stressful process feel completely manageable from start to finish.

See all 52 reviews on Google →

Equity Partnership Loans: What Employers and Employees Need to Know About Mortgage Affordability

Employer equity-partnership loans are tax-efficient and increasingly common — but a persistent myth has employees and brokers alike assuming the loan balance is simply deducted from mortgage borrowing power. Here’s what actually happens

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.

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.

Creative Solutions for Property Transfers

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,...

High LTV Bridging Loan Helps Legal Duo Buy Dream Estate in the English Countryside

Beyond Traditional: High Loan-to-Value Bridging Loan Success Story

High Loan to Value purchase and second home refinance

Area: London

Amount raised: £1.6 Million

3 Year Average of Limited Company Net Profits for Mortgage Affordability

Area: : London

Amount raised: £1.53 million

Relocating from Singapore to the UK

Area: London

Amount raised: £2.52 million

Multijurisdictional Mortgage for £20m UK Property Held in Jersey SPV

Area: London

Amount raised: £13 million

Why Choose Our Mortgage Advisors

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Market Knowledge

Our deep understandinf of lender critera, 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

How is borrowing capacity structured for higher-income clients?

Borrowing capacity is determined by a combination of income, expenditure, and overall financial profile. While most lenders operate within standard income multiples, there is often flexibility for higher earners, complex income structures, or significant assets. We work with a range of lenders who can take a more tailored approach, allowing for enhanced borrowing where appropriate.

How are mortgages assessed for business owners and self-employed applicants

Mortgages for business owners and self-employed clients are assessed with a greater emphasis on income structure and sustainability. Rather than relying solely on salary, lenders may consider retained profits, dividends, or overall business performance. We specialise in presenting complex income profiles clearly to ensure access to the most appropriate lending solutions.

How do lenders approach applications from overseas clients or non-UK residents?

Lenders take a more considered approach to overseas applicants, with requirements varying depending on residency status, income currency, and long-term plans within the UK. Through our network of specialist lenders, we are able to structure solutions for both UK-based and international clients, even where circumstances are less conventional.

What are the residency requirements for securing a UK mortgage?

While UK residency or settled status can provide access to a wider range of lenders, there are options available for clients with visas or more complex residency arrangements. The key factors will include visa type, time remaining, and overall financial strength. We guide clients through these criteria to ensure the most suitable lending route is identified.

How is your advisory service structured?

Our service is designed to be fully consultative. We begin with an in-depth understanding of your objectives, financial position, and longer-term plans before recommending a tailored solution. Throughout the process, we manage lender selection, application strategy, and negotiation, ensuring a seamless and discreet experience from start to finish.

What mortgage rates are currently available?

Mortgage rates vary depending on factors such as loan size, deposit, income structure, and overall profile. We have access to a broad panel of high street and specialist lenders, allowing us to secure competitive terms that are aligned with your specific circumstances and objectives.