Orbis Financial Ltd

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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".

First game of the new season for The Lionesses and a 2-3 winThis is my second year of proudly sponsoring the girls and h...
14/09/2026

First game of the new season for The Lionesses and a 2-3 win

This is my second year of proudly sponsoring the girls and hopefully another trophy this year

Loving the new kit

10/09/2026

Good afternoon

As per my previous post please do not delay in reviewing your mortgage if its up for renewal in the next 6 months.

The markets are twitching and rates and predicted to rise

Fix now for peace of mind

Regards

04/09/2026

Good morning

If you or anyone you know has a fix rate ending in the six months please don't delay in reviewing the options.

There is clear evidence that we are going to enter another period of rate volatility.

Inflation is rising, Government borrowing is at a record high and the markets are getting twitchy.

HSBC have already announced a rise from Monday.

Please share i would be most grateful.

Have a good day

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%

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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