Terms & Conditions

Terms of Business

About us:

Registered in England no. 14118690. Registered address: Suite D, 16 Whiteladies Road, Bristol, BS8 2LG. UK Expat Mortgage is a registered trading style of Orton Financial LTD, which is directly authorised and regulated by the Financial Conduct Authority (FCA Number: 986680). Our FCA registration number is 986680. You can check that we are registered by checking the FCA website here. Alternatively you can write to the FCA at 25 North Colonnade, Canary Wharf, London, EH14 5HS.

How we act for you:

We offer mortgages from the whole of the market, but excluding deals only available direct from lender to customer.

We are limited in the range of mortgages we will consider for you and cannot offer advice on second charge loans, consumer buy to let, nor equity release. We do however offer further advances from existing lenders, first charge loans and buy to let mortgages for investment properties.

We will advise and make a recommendation for you on a first charge mortgage or further advance after we have assessed your needs.

Checking your identity:

We are required to verify our clients for anti-money laundering regulations. For this purpose we will use electronic identity verification systems similar to those used for credit checks. We also require up-to-date proof of identity and address. For an up to date list of acceptable documents please click here.

Fees and charges:

Our normal fee is £250 payable on application and £250 once you receive your offer. We may also receive a procuration fee from the lender. For complex cases we reserve the right to charge a higher fee, however, this will usually not exceed 1% of the loan amount. For example, on a loan of £150,000 you would be charged a fee of £1,500. If we plan to do so we will notify you in advance.
You will receive a ESIS (European Standardardised Information Sheet) when considering a particular mortgage and will tell you about any and all fees relating to it.

Mode of communication:

We aim to accommodate communication through the most convenient method for you. Including telephone, email, and other acceptable electronic communication.

Data protection:

We are registered under the Data Protection Act of 2018. The data we collect is subject to active consent by tou and you can revoke this consent at any time. Any data you consent to us handling or processing is governed in accordance with our data protection policy.
Personal data will be retained no longer than is necessary for the purpose obtained for. We keep records of our business transactions with you for at least six years.


If you wish to register a complaint please write to Orton Financial LTD, Suite D, 16 Whiteladies Road, Bristol. BS8 2LG.
We subscribe to the Financial Services Compensation scheme. You may be entitled to compensation if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.


All information on this website is intended for guidance only and should not be considered advice. All content is subject to regulatory requirements in the United Kingdom. Older articles and information are available on this website and some of the information contained may become outdated.