Independent, whole-of-market and Cornwall-born. We arrange mortgages for first-time buyers, movers, landlords and complex cases across every TR and PL postcode — with no broker fees for first-time buyers.
Cornwall isn't a normal mortgage market. House prices have outrun local wages, second-home demand distorts the coast, and a huge share of the housing stock is non-standard — Grade II listed Georgian terraces in Truro, single-skin granite cottages in Penzance, cob and thatch inland, holiday-let conversions on the north coast. The wrong lender on these cases doesn't just cost time, it costs the deal.
As an independent, whole-of-market mortgage broker based in Falmouth, we know which UK lenders will actually fund Cornish property — high street, specialist and private bank. We're a trading style of Orton Financial Ltd, fully FCA-regulated, and we don't charge broker fees.
How can we help?
No broker feeNavigate your first property purchase in Cornwall with expert guidance and competitive rates.
Find out moreSave money by switching to a better deal.
Porting and new purchase advice for your move.
Grow your portfolio with specialist advice.
Bridging and refurbishment finance for projects.
Self-employed, adverse credit or unique circumstances.
We arrange mortgages across every Cornish postcode. Choose your town for local market notes, postcodes covered, and the specialist cases we see most often.
Based in Falmouth, Cornwall
Local advice with deep roots in the community.
Cornwall mortgages every week
From coastal homes to country estates.
Listed, rural & self-build
Specialists in non-standard property.
Holiday lets & second homes
Lenders who understand Cornwall's market.
Based in Cornwall · Here for our community
Friendly, expert mortgage advice from a local Cornwall team — whatever your circumstances, however complex.
Let's get you
Cornwall is our home market — not a postcode on a map. From coastal flats in St Ives to listed cottages near Fowey, holiday lets on the north coast and self-builds down lanes the satnav gives up on.
Got a case another broker has stalled on?
That's usually when things get interesting.
Judgement, lender knowledge and local experience — not just qualifications on a wall.
We place cases outside standard criteria every day, so we know which lender will back yours before you apply.
Listed buildings, holiday lets, self-builds, expats, self-employed, adverse credit. For us these are everyday work, not exceptions.
We're based in Falmouth, with lender relationships across the UK. You get a broker who knows Cornwall, not a call centre with a local name.
If a deal isn't right for you, we'll say so. If your case is borderline, you'll hear that too, before you've committed to anything.
"Most clients come to us after another broker has said no, or after a high‑street bank has stalled on a non‑standard property. That's usually when things get interesting — and where knowing the Cornish market really matters."
ReviewsTrusted by clients for expert mortgage advice
5 days ago
Great service and communication. Louis worked through my complicated setup (multiple countries and currencies) with ease and made the mortgage process extremely simple.
2 months ago
Louis was incredibly responsive and consistently clear in his explanations. He made every step of the process easy to understand and took the time to ensure I felt confident in each decision.
3 months ago
Louis helped us with a recent mortgage which completed on time, with no issues. This was despite challenging circumstances, short timeframes, and us being based overseas. Louis was very responsive, knowledgeable, and he got us a great rate. Highly recommend.
3 months ago
We worked with Luther and Megan on our house purchase, and couldn't be happier with the service we received! The team take a very personalised approach and were always so responsive and helpful. Very happy to recommend!
3 months ago
Once in a while you meet someone who is exceptional at what they do, Louis is exceptional! Unique circumstance as we were buying back home from out of the country. Louis was able to get the job done and get us a mortgage at the same rate as if we were in the UK. Couldn't recommend enough.
3 months ago
This review is a bit belated — but better late than never. I don't leave many reviews, but Louis and the Orton Team absolutely deserve a special mention. Having dealt with many service providers as an expat, I'd rank the service they provided right at the top.
5 months ago
Louis, Zoe, and the rest of the team at Orton really helped us out securing a great mortgage deal for us while we were transitioning from an expatriate assignment. They navigated the intricacies really well and were really proactive and responsive. Will definitely use them again.
6 months ago
Even when you think you have everything you need, mortgages are rarely simple. Louis and his team were excellent, friendly, reliable and patient. They got the job done. Highly recommend working with them.
6 months ago
Orton Financial was absolutely incredible throughout the entire mortgage process! Super knowledgeable, always quick to respond, and just genuinely kind and helpful. Luther went above and beyond to make sure I understood every step, and made what could have been a stressful experience so much easier. Honestly couldn't have asked for a better person to guide me through it — highly recommend!
6 Cornwall-based staff, including two brokers in training — so the county keeps the expertise it deserves. Our new administrator starts soon.
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Read ArticleNo. Kernow Mortgages is a no-broker-fee mortgage broker covering all of Cornwall. We're paid by the lender on completion — your advice and application costs nothing.
Yes. We have access to the whole UK residential and buy-to-let mortgage market, including specialist lenders that don't deal direct with the public (Kensington, Pepper, LendInvest, Family BS, plus the high street).
Cornwall is our specialism, but as a UK-regulated broker we arrange mortgages across England, Wales, Scotland and Northern Ireland — including UK expats buying back home.
Cornwall has more non-standard properties than almost anywhere in the UK — listed buildings, single-skin granite, cob, thatched, holiday lets, coastal coverage zones, and high second-home demand. National brokers often place these cases with the wrong lender and they fall over at survey. We know the lenders that will lend on a Grade II Georgian terrace in Truro or a converted chapel in Penzance.
Usually within 24–48 hours of our first call, often faster. We work evenings and weekends around Cornish working patterns (NHS shifts, hospitality, self-employed trades).
Free, no-obligation chat. We'll tell you exactly where you stand and which lenders fit.
