Landing Page: Book a Call | First Time Finance

You're Ready to Buy.

We're Ready to Guide You.

Have you been told you can’t get a mortgage without ILR, a 25% deposit, or years in the UK?
That’s not true, and it’s stopping too many people from homeownership and building a future in the UK.

At First Time Finance, we help foreign nationals get approved by working with lenders who accept just 5% deposits, consider lower credit scores, and don’t require ILR.

That means you can stop waiting, and start your journey to owning a home.

In just 45 minutes, you’ll get real answers, a clear plan, and expert support to take the next step.

Real People. Real Keys in Hand.

Most of our clients came to us after being told “you don’t qualify.” We helped them get the keys anyway, with a process that’s built for your story, not against it.

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

Your Life is Here

Now, Let's Make it Home.

You’ve done the hard part by starting your life here. Let’s secure the home that goes with it.

What Our Clients Are Saying

Every story here started with a single call, just like the one you’re about to book.

“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

Rated Excellent on Trustpilot

We’re proud to have a 4.8 out of 5 rating based on 90 reviews from clients we’ve helped confidently secure their homes.

Here’s What We’ll Discuss Together.

No scripts. No sales. Just a focused, expert-led call to give you clarity and a real plan.

When You’re Ready, So Are We.

You’ve already taken the first step by landing here. Now let’s take the next one, together.

This isn’t just about a mortgage. It’s about peace mind, knowing what’s possible, and working with someone who’s helped hundreds turn questions into keys.