Mortgage advice
Jargon-free mortgage advice. We'll guide you through finding the best lending option for what is probably the single largest financial commitment you'll make in your life.
Remember your home may be repossessed if you do not keep up repayments on your mortgage.
Professional mortgage sourcing
As experienced independent mortgage advisers, we have access to loans that are not available to the general public.
Most of our mortgage advice customers have come through recommendations made by existing clients. We're proud of the high level of both skill and careful handling that we maintain in this area.
We will examine the entire mortgage market on your behalf and return to you with a guaranteed jargon-free set of options. With the numbers clearly and concisely laid out, you'll be able to easily make sense of what's available.
Our professional sourcing software is updated every day, bringing you all the latest deals and up-to-date information.
First-time buyers
Ready to take the plunge?
With us, you'll be in safe hands from start to finish. We will help you find the best and most fitting mortgage solution for your unique situation. We will then guide you through the entire process, providing you with all the advice that first-time buyers need.
Buy-to-let
Buying an additional property for the purposes of letting it out works best with an excellent mortgage.
The amount of money you'll make per month is directly impacted by how much of it needs to go to pay the loan. We can advise you on what type of mortgage to get based on the property you have in mind and provide you with a loan that you couldn't get on the high street.
Remortgaging
Do you have an existing loan that you're not happy with? Or are you nearing the end of a mortgage rate-deal?
Remortgaging can also be a good way to quickly raise some money, perhaps for a wedding or a new car.
We're confident that we can find you a number of excellent alternatives to your existing mortgage. Our advice will take into account any secondary effects, such as fees you would incur by switching mortgage provider.
Right to Buy
If you live in an eligible council or housing association home, you may have the right to buy it with a significant discount.
In this particular case, it's especially important to get as much value from your money as possible. We will take you through the entire process from start to finish and find the right mortgage for you.
Moving house
Moving to a new home is an excellent opportunity to ensure that your new mortgage is as good as it can be.
We will look at your current mortgage agreement and assess whether it would be better to redeem it or transfer it to the new property. We will also examine whether you will incur any extra fees or penalty charges from transferring.
"I've just had my first meeting with my new IFA, Helen Fraser. Just wanted to let you know how impressed I am with her, both as a Financial Adviser and as a person! She fits right into the Orchard ethos - approachable and empathetic as well as financially skilled - and I can see why she's working with you - well done for finding her. Keep her, I like her! :)"
"Excellent investment advice for my client, very easy to do business with."
"Your (Steve Hedges) knowledge of the financial market is exemplary and savings that you helped us make way offset the charges incurred. We both felt at ease and were confident that your advice would be beneficial to us."
"I'd really like to recommend Stuart Logan of Orchard House IFAs, who has
just come to give us some financial advice. This is the third time we have used Stuart. As usual, he has offered some really interesting and useful advice, and we have been really impressed every time we have used him."
“Damian was incredibly helpful in re-phrasing in simple terms to allow me to better understand the questions being asked. He was absolutely incredible and made, what I expected to be a difficult process, incredibly easy. I have great trust and faith in Damian. Thank you” ~ Kelly Hobbs
"Helen is wonderful and she does her best with someone who really struggles with figures and financial concepts" ~ Elisabeth Skinner on 07/03/2019
"I find Stuart to be curious, helpful and massively professional, thank you!" ~ Nikki Watkins on 19/06/2019
"I like the personal touch, it wasn't just about my finances. A connection really helps in having trust and confidence in what you are being told. Elaine gave me that" ~ Chris Hancox on 24/09/2018
"Tricia and I would like to thank you for all the advice and help that you have given us over the past couple of years. Your knowledge of the financial market is exemplary and the savings that you helped us make way offset the charges incurred. We both felt at ease and were confident that your advice would be beneficial to us. On another note, the investments made for a close friend helped to make her final few years comfortable in the knowledge that her financial affairs were in such good hands and that her capital will still intact on her passing. I have and will continue to recommend you at every opportunity" ~ James and Tricia Rice on 15/11/2017
Not sure what you need?
Call us on 01491 412 513
Financial planning and advice for people and businesses across Berkshire, Buckinghamshire, Oxfordshire, Hampshire, Surrey & beyond.