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About Us

Orchard financial advisers

A fresh approach to mortgage and insurance advice

We are a company that genuinely cares about our clients

Established in 2021, our aim is to inject some fun and enthusiasm into the world of financial advice.

Being completely independent, we are able to look at mortgage products from the whole of the intermediary mortgage market. We have a broad range of insurers under our belt and are relentless in pursuit of the best deal and product to suit your needs! We use the latest technology to streamline processes and ensure matters are actioned as quickly and efficiently as possible.

No Jargon, No Fuss, Just Good Advice

Jargon Free Zone

You can rest assured that our offices are a Jargon Free Zone; keeping it as interesting (as possible) and we’ll always go the extra mile to help our clients. You will always be met with a smile by our helpful client support team. We made a very deliberate decision to focus just on mortgages and insurance – because this is what we’re good at, and passionate about. Our mortgage and protection experts have a wealth of experience and knowledge in all mortgage and insurance options, so you are in safe hands.

We care about what matters to you

At the HEART of the company are five key values

You can rest assured that all of our staff are;

Orchard financial advisers

Grow the Orchard pledge

You can help grow the Orchard pledge:
“We have made every effort to be as environmentally friendly as possible and pride ourselves on the way we use technology to reduce paper usage. 
However, we decided this was not enough…so if you buy a house and use us to arrange your mortgage; we will plant a tree on your behalf.” 
Managing Director – Certs CII (MP&ER)

Ben Perks

Ben is a fully qualified Mortgage, Insurance and Equity Release Adviser with over 10 years of experience in the industry.  
After working for respected companies such as Hayburn Rock Financial Planning Ltd and AFH Wealth Management, Ben decided it was time to start his own firm in 2021. 
As an adviser, above all else, Ben has always put the customer first; going above and beyond to help customers achieve their goals. 
To this end, Ben has taken the time to find like minded advisers to make sure that Orchard Financial Advisers Limited is a company that cuts through the red tape and jargon; truly caring for it’s clients. 
Away from work – Ben takes part in endurance based challenges, loves spending time with his wife and children and enjoys a beer with his mates. 
Mortgage, Insurance & Equity Release Specialist - Head of Compliance

Lucy Billingham

Lucy’s Financial Services journey began in 2004 when she joined Hayburn Rock Associates in a Client Support role, and she has never looked back.

She quickly achieved Mortgage, Insurance, Equity Release qualifications, as well as broadening her knowledge with Compliance examinations.

Lucy joins Ben with a shared enthusiasm of providing accessible, good quality advice, as well as complimenting the management structure with her experience in Compliance, Training & Competence and Regulatory Reporting.

Away from work – Lucy loves nothing more than escaping to Pad‘Stein’ with her husband and two energetic boxer pups; exploring the Coastal Paths and of course sampling the delicious seafood on offer.

Mortgage, Insurance & Equity Release Specialist

Jon Hoult

Jon began working in financial services in 1988 and during this time he has worked for several large banks and financial service providers.

Jon worked with Mortgages from the very start of his career and has also become a fully qualified IFA and has acheived his Diploma with the Personal Finance Society.

He brings a wealth of knowledge to the team and uses his skills and expertise to provide tailored financial advice to his clients. Throughout Jon’s career he has always put the clients needs first and this is something he is committed to doing.

Away from work – Jon has a passion for local history and is a member of The National Trust and English Heritage along with several Wildlife Charities. He is a cricket, tennis and football enthusiast and helps to run local youth teams. Jon also enjoys golf and hiking and as a result has a great knowledge of country and coastal pubs around the country.

Mortgage & Insurance Specialist

Saima Riaz

Saima has been working in Financial Services since 2018. During this time she has worked for a large bank before studying independently and gaining her CeMAP qualifications.

Once qualified, Saima worked for a large corporate firm where she gained valuable experience which she can now apply at Orchard Financial Advisers.

Saima specialises in Mortgages and Insurance. She is very hard working, driven and she is passionate about helping clients to achieve their goals.

Away from work Saima enjoys playing football, trying new restaurants, shopping and taking spontaneous trips.

Mortgage & Insurance Specialist

Roger Woodall

Roger has been working in the Mortgage Industry for over 40 years and brings a huge amount of experience to the team. 
Over the years Roger has worked in Higher Management positions for several large firms before becoming a Director at Hayburn Rock where he met (and trained) Ben. 
He is fully qualified to advise in Mortgages and Insurance and his vast experience means he has a fantastic understanding of the industry. 
Roger is diligent, fun to be around and focused on helping customers achieve their goals. 
Away from work, Roger loves the sun! He holidays regularly and loves to spend time with his wife and family. 
Mortgage & Insurance Specialist

Sharon Wain

Sharon is a fully qualified Mortgage and Insurance Adviser and is based in Hereford. 
Sharon began working within the Mortgage and Insurance industry in 2005 and now joins us at Orchard Financial Advisers bringing the knowledge and skills she’s gained over the years. 
She is friendly, approachable and enthusiastic, which makes her a perfect fit within our team. More than anything, Sharon loves to help customers achieve their goals and she often goes above and beyond help them. 
Away from Work Sharon loves to spend time with her Grandchildren who keep her busy! Sharon also loves to socialise with friends and go on Holiday with her Husband. 
Mortgage & Insurance Specialist

Lance Flowers

Lance left a job in direct sales and joined the world of Finance in 2020 when he started at HSBC. There he gained a great deal of knowledge and experience and qualified as a Mortgage Adviser shortly after in 2021 before joining London and Country.

He took the opportunity to join Orchard Financial Advisers as he wanted to provide more holistic advice and take the time to ensure customers are well looked after. He also plans to broaden the knowledge that he has gained so far.

Lance is a cheerful character and enjoys building a good rapport with his clients, he will go above and beyond to help them achieve their financial goals.

Away from work – Lance enjoys live music and will attend gigs regularly. He loves spending time with his wife and their Sausage Dog, Dasher and you will often see them enjoying long countryside walks.

Office Manager

Keeley Fellows

Keeley has worked in Customer Services for over 20 years and joins us as Office Manager.

She will provide support to advisers and customers to ensure cases keep moving forward.

In 2017 Keeley left IHG where she was a Manager and began working in the client support team at Hayburn Rock where she met Ben. She is hard working, has an in-depth understanding of the mortgage process and works proactively to resolve issues.

Keeley always has a smile on her face and her caring nature means she always goes out of her way to help her clients.

Away from work – Keeley loves to have a G&T with family and friends and spend time with the love of her life… her dog Freddie!

Mortgage & Insurance Administrator

Leanne Cartwright

Leanne joins us as a Mortgage and Insurance Administrator after having a 15 year career in the Retail Industry.

She will be working on Wednesdays and Thursdays and will help to drive cases to completion for clients.

Over the years Leanne has worked for Warehouse, Phase Eight and Capital where she was a Duty Manager. Her time in retail has provided her with a huge amount of customer service experience. Leanne is definitely a people person and she enjoys helping customers.

Leanne is hard working, efficient and always positive. She is great fun to be around and always has a smile on her face.

Away from work – Leanne loves spending time with her husband Dave, children Will and Emi and their dog Maisie. When she gets the chance Leanne loves to go out socialising and dancing with friends.

Want to join The Orchard?

Are you a qualifed Mortgage, Protection or Equity Release Advisor?

Do you genuinely care for your clients?

If so, we’d love to hear from you.

We are a forward-thinking company that cares for Advisers and Customers alike.

We have a great team dynamic, flexible working at home or in office, brilliant systems and loads of broker support.

Click here to get in touch with us and Ben will contact you to see if Orchard Financial Advisers works for you.