Foreign National Mortgage UK | Book a Call with Visa Specialists

Yes, You Can Buy aHomeon a Visa.

We’re specialist mortgage brokers. Over 400 people have bought their first UK home with our help, no ILR, 10% deposits, and minimal credit history required.

No upfront fee, pay only when your mortgage is secured.

Real People. Real Keys in Hand.

Many clients come to us after banks reject them for not having ILR, pre-settled status, or a large deposit. From UK mortgages without indefinite leave to remain, to specialist mortgage lenders for spouse visas, we build a plan that works for real people, not just perfect credit scores.

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 worked hard to build a life in the UK, now it’s time to secure the homeownership you deserve. From navigating UK mortgage options for foreign nationals to finding lenders who accept lower deposits, we’re here to make your journey to your first UK home simple and clear.

What Our Clients Are Saying

Every story here began with one call, yours can too.

“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

We are rated 5 stars by our clients.

Here’s What We’ll Discuss Together.

One honest conversation to help you understand your options, what you can afford, and how to buy your UK home as a visa holder.

When You’re Ready, We're Here to Guide You.

You’ve already done the hardest part: deciding you want to own your UK home. Now, take the next step with a plan built for you, no confusion, no guesswork.

Peace of mind, clear answers, and the specialist support you deserve.