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Struggling to Get a UK

Mortgage on a Visa?

Buying a home in the UK as a foreign national can feel confusing, discouraging, and full of roadblocks. But it doesn’t have to be that way.

Get clarity and confidence with a free 5-part video series created specifically for foreign nationals navigating the UK mortgage process — no jargon, no gatekeeping, and no assumptions about your visa, credit score, or how long you’ve lived here.

Start watching today and feel in control of your mortgage journey.

Get Access to the 5-Part Blueprint

What You’ll Learn Inside

the UK Mortgage Blueprint

All videos are hosted in one easy-to-use dashboard — no fluff, just clarity.
Watch anytime, from anywhere.
Claim Your Free Access

Your Life is Here

Now, Let's Make it Home.

– Ripley Salgueiro,

Founder of First Time Finance

If You’re Here, You’ve Probably

Heard This Before

“Your visa isn’t strong enough.”
“You don’t have enough UK credit history.”
“It’s too complicated right now.”

We’re here to say: That’s not the full story.

Yes, getting a mortgage as a foreign national comes with unique challenges but with the right information, it’s absolutely possible.

What Our Clients Are Saying

“Ripley is very knowledgeable and approachable and explained everything thoroughly. Without his advice and guidance we would not be anywhere near this point in the process of becoming home owners! Both him and Ibimina kept us informed throughout the mortgage application process. We can’t fault their service. If you are looking for a reliable mortgage advisor, contact Ripley at First Time Finance with confidence!”

Julies

“I would definitely recommend First time finance to anyone that want to start the mortgage journey process. Both Ripley and Allie helped me to secure my mortgage offer faster than I expected. They provided answers to all the questions I asked and they guide me through all the necessary steps needed even during the property offer negotiation process with the estate agents. Keep up the good work guys 👍.”

Ayo

“Stumbled on one of his posts on TikTok, contacted him and he has been absolutely helpful and amazing. As a first time buyer he simplified the process and got us a very good mortgage deal.”

Elizabeth

Yes — I Want That Kind of Support. Show Me the Blueprint.

Meet Ripley

My grandfather migrated to the UK with determination and a vision for a better future. Buying a home wasn’t easy, but when he finally got the keys, everything changed. That home became more than just a place to live, it was security for my family and the foundation for our future.

I founded First Time Finance so foreign nationals in the UK don’t have to figure this out alone. The mortgage process can feel overwhelming, but many can get approved, they just need the right guidance.

— Ripley Salgueiro, Founder, Mortgage & Protection Adviser

This free video series is the clearest way to start, made by someone who’s walked the journey and knows what really works.

Get Instant Access to the First Video

Real People. Real Keys in Hand.

Over £126M in Mortgages Secured

99% Mortgage Approval Rate

5 Stars Rating from Families,
Professionals, and First-Time Buyers

400+ Clients Helped Into
Their First UK Home

Unlock the Free Video Series

Enter your details below to receive instant access to all five videos.

You’ll receive an email with your secure login to our private learning portal.

By downloading this guide, you agree to receive helpful tips and updates from First Time Finance. You can unsubscribe at any time.

What Happens After the Videos?

By the end of the series, you’ll understand:

Whether you’re truly mortgage-ready.
What steps to take next (with or without a broker).
How to avoid common mistakes most foreign nationals make.

And if you’re ready for personalised help, you’ll have the option to

book a discovery call with Ripley or someone from the team, no pressure.

First Time Finance logo – UK mortgage specialists for foreign nationals

Need Mortgage Advice? Speak To A Specialist Today!

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Privacy Policy   Terms & Conditions   Cookie Policy 

First Time Finance is a trading style of Salgueiro Financial Ltd, an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

Registered Office: 124 City Road, London, United Kingdom, EC1V 2NX.

Company Number: 14305982 (Registered in England & Wales).

View our entry on the Financial Services Register.

There may be a fee for arranging a mortgage, which will be agreed upon before advice is given. The precise amount depends on your circumstances and mortgage type, but typically includes a £495 upon mortgage offer confirmation.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.

SALGUEIRO FINANCIAL LTD will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information. 

Why do you need my data and what will it be used for? We need to know your basic personal data so we can contact you and respond to your message, request or query. All the personal data we process is processed by our staff in the UK. 
Who is my data shared with? Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details. 
How long do you keep my data for? We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to processing your data.
To do this, please contact hello@firsttimefinance.co.uk. 
What are my rights? You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of processing. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office: 

Unlock the Free Video Series

Enter your details below to receive instant access to all five videos.

You’ll receive an email with your secure login to our private learning portal.

By downloading this guide, you agree to receive helpful tips and updates from First Time Finance. You can unsubscribe at any time.