Orbis Financial Ltd

Orbis Financial Ltd A mortgage is a loan secured against your home. Your home may be at risk if you do not keep up repayments on your mortgage or any other secured loan.

Mortgage Broker .Independent whole of market broker specialising in all types of mortgage finance including Residential, Buy to Let , Second Charge etc
Advising for over 20 years.Please contact me to discuss your mortgage requirements. Orbis Financial Ltd is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA Number 460421".

01/09/2026

Morning all

Hope everyone had a good long weekend and enjoyed some rain !

Had some great conversations in the last week with young couples/ singles starting their journey to own their first property.

Its always nice to help everyone on their journey but even more so for first time buyers.

Lenders are realising they have to do more to assist first time buyers and there are some great products available.

Have a great day


29/07/2026

Self-Employed Mortgage Myths 👇

• "You need three years of accounts."

• "Contractors can't get mortgages."

• "You need a huge deposit."

• "One rejection means no chance."

There are many misconceptions around self-employed mortgages.

The reality?

✅ Some lenders accept one year's accounts (criteria may vary based on selected high street and specialist lenders)

✅ Contractors can obtain mortgages (subject to lender eligibility, contract type, and income verification)

✅ Every lender has different criteria (please consult for up-to-date information)

✅ Specialist advice can open up options

Being self-employed shouldn't stop you achieving your homeownership goals. 🏠💫

Call Ray Kitcher on 07535 831025

Your home may be repossessed if you do not keep up with repayments on your

18/07/2026

Good morning

Woke up to an email this morning that a client has made a claim on their Critical illness policy.

I have contacted the client to offer assistance with their claim and ensure they are OK.

I cannot reiterate the importance of my advice and ensuring clients consider protecting themselves and their families.

Having a lump sum paid out during what can be a difficult period both mentally and financially , will give some peace of mind knowing the bills will be met.

So many people think it will not happen to them.

Please like and share

Have a great day

15/07/2026

Good afternoon

Nerves are kicking in for this evening . Come on England

Looks like the unease in the Middle East is beginning to escalate again.

This is having an effect on mortgage rates already with certain lenders informing of interest rate increases.

I have watched my clients rates throughout this period and ensured they have enjoyed any rate decreases that are now locked in to avoid any increases.

The benefits of having a proactive broker.

Have a good day

14/07/2026

Good morning

Some people may find the below interesting and its not commonly known that this is possible

A Joint Borrower Sole Proprietor (JBSP) mortgage is an arrangement where family members (often parents) are named on the mortgage to boost your borrowing power, but only you are listed on the legal deeds. It allows you to increase your loan amount while keeping sole legal ownership.

How a JBSP Mortgage Works

Boosted Affordability: Lenders can consider the income of up to 4 people to calculate how much you can borrow.

Sole Ownership: Only the primary applicant’s name is on the title deeds. The supporting family members do not own a share of the property.

Shared Liability: All borrowers are equally responsible for the monthly mortgage repayments. If the main proprietor misses a payment, the joint borrowers' credit scores will be affected.

Age Limits: Mortgage terms are generally capped by the age of the oldest applicant, often requiring the loan to be fully repaid by age 70 to 80.

Key Benefits

First-Time Buyer Perks: Because your family members are not on the property deeds, you can still qualify for first-time buyer benefits like Stamp Duty relief.

Tax Efficiency: It prevents higher-rate Stamp Duty from being applied if your parents already own another property, and avoids potential Capital Gains Tax issues for them.Transition: Once your income grows, you can usually refinance to remove the joint borrowers from the mortgage later on.

Please like and share

Have a great day

07/07/2026

Good morning from a lovely sunny St Ives .

Many e mails received the last few days from various lenders informing of interest rate drops . Although small drops it means i can reduce my clients rates, where relevant, to a better rate before they complete.

One of the positives in letting a broker take the stress out of your mortgage journey

Have a lovely day

25/06/2026

This highlights the importance of having a reputable broker searching for the right deal .

An average UK homebuyer faces a monthly payment increase of £421.78 (or £5,061.36 extra per year) when comparing typical mortgage terms from five years ago to today.This standard breakdown highlights the impact of moving from the ultra-low interest rates of 2021 to the current borrowing landscape of 2026:
Mortgage Comparison Profile

Assumed Loan Amount: £250,000.00
Assumed Loan Term: 25-year capital and interest repayment. Product Type: Standard 5-year fixed-rate mortgage

Depending on the Loan to Value ratio rates will increase from circa 1% to circa 4.5%

23/06/2026

Afternoon all

I wanted to take a moment to explain why having a valid Will in place is one of the most important steps you can take to protect your loved ones and ensure your wishes are carried out.



Without a Will, your estate will be distributed according to the Rules of Intestacy.



These are strict legal rules that determine who inherits your assets, regardless of your personal wishes!



This can often lead to unintended consequences, particularly for unmarried partners, stepchildren, close friends, or charities you may wish to benefit.



Having a comprehensive Will allows you to:



Decide exactly who inherits your estate and in what proportions.


Appoint trusted Executors to administer your affairs.


Nominate guardians for any children under the age of 18 and to nominate trustees to be in charge of monies until a suitable age for children to inherit. ‘Most commonly ages 21 or 25 years of age’ should the worst happen.


Nominate Trustees for Grandchildren to inherit certain amounts of monies / specific gifts.


Protect assets through trusts where appropriate.


Help minimise the risk of family disputes after your death.


Ensure your funeral wishes are recorded.


Provide peace of mind that your loved ones will be looked after according to your wishes.


Life circumstances can change significantly over time through marriage, divorce, having children or grandchildren, buying property, or changes in financial circumstances.


Reviewing and maintaining an up-to-date Will helps ensure it continues to reflect your current wishes.


Many people assume their family will automatically inherit everything, but this is not the case.


Having a comprehensive Will in place removes uncertainty and can make an already difficult time much easier for those left behind.

22/06/2026

UK Mortgage Market Outlook: Volatility Settles as Rates Fall GloballyUK mortgage rates are falling gently as major lenders cut fixed-rate deals, following a period of rapid hikes driven by global energy shocks and swap rate volatility. The Bank of England (BoE) maintained the base interest rate at 3.75% during its latest Monetary Policy Committee meeting, offering a stable benchmark for variable-rate products while financial institutions gradually adjust their long-term pricing models.

16/06/2026

Morning

Another important part of purchasing a home or remortgaging is to ensure the right Solicitor is chosen.

With the ability to look online now people are choosing Solicitors hatt are miles away just because they are a few pounds cheaper.

I fully understand cost is important but the unnecessary stress and grief of not being able to get hold of the company is not worth it.

Always use a trusted local Solicitor who will be accessible and reliable.

Have a good day

Address

Bexley

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm

Telephone

+447535831025

Website

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