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Orchard Mortgage Solutions

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United Kingdom
Chorley
Orchard Mortgage Solutions

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Clear, tailored, stress-free advice.

Orchard Mortgage Solutions – Independent mortgage broker helping with first-time buyers, remortgages, investments & specialist cases including self-employed, bad credit & bridging finance.

03/11/2026

Self-employed and been told no for a remortgage? 🏡

Our Lancashire clients run a limited company and had been trading for two years. Their first-year tax calculation showed a low dividend, so their own lender declined them. Another broker tried and got it wrong.

We spoke to lender underwriters before submitting anything. One lender agreed to use their salary plus their share of the company’s net profit, rather than their SA302s alone, and that made all the difference.

The result:

✅ £30,000 raised for home improvements and to clear some debts
✅ Around £255 a month saved compared with their lender’s variable rate
✅ Remortgage completed in four weeks

A decline often means the wrong lender, not the wrong case.

👉 Read the full story: https://orchardmortgagesolutions.co.uk/2026/11/self-employed-remortgage-in-lancashire/

☎️ Call 01257 543013 for a no obligation chat

26/10/2026

⭐⭐⭐⭐⭐ This one genuinely made our week.

We've had some lovely reviews over the years, but this might just be the best we've ever received, thank you so much, Kevin and Jenny.

After 14 years with the same advisor, we know how big a step it was to trust someone new with your mortgage. To hear that it's been the fastest, smoothest and most efficient application you've ever had means the world to us. (And we're very glad the coffee and cake went down well! ☕🍰)

We're looking forward to looking after you both for many years to come.

If you're looking for a mortgage advisor who'll be there for the long term, we'd love to hear from you.

14/10/2026

Two lovely 5-star reviews landed within the hour today! 🙌⭐

“Excellent service and always there to answer your questions. We’ve used the service now for a second time and will continue.” – Hayley

“Very happy with the service they offer, will be using them again.” – Jonah

A big thank you to both of you. Whether it was a residential remortgage or a buy-to-let, we’re so glad we could help, and even happier you’d come back to us. 💚

Is your mortgage deal ending soon? Drop us a message or phone 01257 543013 and we’ll talk through your options.

05/10/2026

Another fantastic ⭐⭐⭐⭐⭐ google review for Philippe Fabri.

Orchard Mortgage Solutions - Your one stop shop for mortgage and bridging finance.

23/09/2026

Been told a default or mortgage arrears rules out remortgaging? It doesn't always.

One of our clients came to us with £2,886 in mortgage arrears, a £1,274 credit card default, and other unsecured debt, with their existing mortgage term about to end. We arranged a bad credit remortgage that cleared the lot and completed in just six weeks.

Every case is different, but if your circumstances feel too complicated for a straightforward remortgage, that's exactly the kind of case we take on.

📖 Full case study: https://orchardmortgagesolutions.co.uk/2026/09/bad-credit-remortgage/

17/09/2026

The Bank of England held interest rates at 3.75% this week but it was close. 3 out of 9 committee members actually wanted to raise them.

Energy prices are pushing inflation up again, and the Bank's own experts can't agree on where rates go next (forecasts range anywhere from 3.50% to 4.25% by year end).

If your mortgage deal is coming up for renewal, now's a good time to understand your options rather than wait and see. We've broken down what's really driving this in our latest blog, link in bio. 🏡

16/09/2026

Read about our clients Holiday Let purchase and how we advised on bridging finance to secure the auction purchase and fund refurbishments.

👉 Holiday
👉 Auction
👉 Bridging & Refurbishment Finance

https://orchardmortgagesolutions.co.uk/2026/09/bridging-finance-holiday-let-purchase-case-study/

02/09/2026

Did you know overpaying your mortgage by just a small amount each month could cut years off your term?

We ran the numbers on a typical £205,000 mortgage over 31 years at 4.75%. Adding the equivalent of one extra payment a year (spread monthly) brings the term down by nearly 5 years and saves over £33,000 in interest. Go up to three extra payments a year and you could pay it off over a decade early.

Curious what overpaying could do for your mortgage? Read the full breakdown here: https://orchardmortgagesolutions.co.uk/2026/09/mortgage-overpayments-reduce-your-term/

25/08/2026

Summer holidays are brilliant right up until the credit card bill lands. UK adults expect to carry an average of £1,641 in card debt this summer, and almost half are still paying off last year's trip.

If that sounds familiar, now's a good time to think about consolidating unsecured debt, before missed payments turn into defaults, CCJs, or worse. We break down what happens if you leave it, and how it can affect your mortgage options later on.

Read the full post 👉 https://orchardmortgagesolutions.co.uk/.../consolidating.../

14/07/2026

Mortgage advisors aren't all the same.

And picking the wrong one can be an expensive mistake.

We've seen a pattern in recent enquiries at Orchard Mortgage Solutions...

🟢Clients coming to us after a previous advisor gave poor advice

🟢Advisors, missed a lender that would've said yes

🟢Or the Advisor just didn't have the experience for their case.

Before you commit to an advisor, ask...

👉Are they directly authorised, or working under someone else's FCA permissions?

👉Will one person manage your case start to finish, or will you be passed around a call centre?

👉How long have they actually been advising?

We've put together a full guide on what to check, including the FCA register and Google reviews. 👇

Read it here:

https://orchardmortgagesolutions.co.uk/2026/07/choosing-a-mortgage-advisor/

For a no obligation mortgage chat call 01257543013

Address

Chorley Business & Technology Centre
Chorley
PR76TE

Opening Hours

Monday	8am - 9pm
Tuesday	8am - 9pm
Wednesday	8am - 9pm
Thursday	8am - 9pm
Friday	8am - 9pm
Saturday	8am - 9pm
Sunday	8am - 9pm

Telephone

+441257543013

Website

http://www.orchardmortgagesolutions.co.uk/

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