Because we all deserve a home...
5 - 10%
Deposit options available
350+
Clients helped through the process of buying their first home in the UK (so far...)
The UK's Migrant Mortgage Specialists
Moved to the UK in the last 5 years?
You're in the right place! The majority of our clients are in the same position.
Our service gets them into their first home sooner, whilst making less mistakes and saving money
Been told you need ILR?
Most our clients are people that have been told 'No' by another broker before. It's either due to your deposit, credit score, or time in the UK...
The truth is - It IS possible to get a mortgage on a visa, with a low deposit and less than 2 years here
Don't have a large deposit?
For most of our clients, there are lending options available with as little as 5% or 10% deposit.
You don't need a 25% deposit, or an excellent credit score like you may have been told...
Don't just take our word for it, hear from our clients
We value a completely client-centric approach, which means you really are at the centre of everything we do.
We're here for you from the beginning of your financial journey in the UK, and we want to be with you the whole way.
Kayode
SIMPLY THE BEST
The very definition of going above and beyond in professionally rendering service.
Your commitment, dedication and personal touch “wowed” me
Thank you Ripley and first time finance.
I would recommend you anywhere.
Serhiy
Thank you very much, First Time Finance
I am very grateful to Ripley from First Time Finance for his client-oriented attitude, work, professionalism and honesty.
Greatly appreciated. Also, I liked the company's infrastructure for providing all the relevant documents. It saved a lot of time and was very convenient to use. I recommend First Time Finance to all who value their time and want to reach their goal. Thank you very much, Ripley.
Theresa
EXCELLENT SERVICE
I had an amazing experience working with First time finance, Whilst other mortgage brokers told me it would be difficult to get a mortgage offer because I had not been in the country long enough, Ripley assured me that it wasn’t impossible, he looked into my case and managed to negotiate a good deal for me, I didn’t have to pay a higher deposit, also the interest rates were almost similar to what the high street lenders were offering.
My whole experience working with him has been smooth. I was kept informed any updates through out the process and got my mortgage approved with in 2 weeks of submitting. I would recommend First time finance again and again
Yetunde
If you are a migrant looking to buy…
If you are a migrant looking to buy your first property, First Time Finance should definitely be your mortgage advisor.
Meeting Ripley was a blessing. He assisted my husband and I throughout the process of buying our property.
From searching for a property to buy to selecting one, he was there to provide help and guidance.
Ripley and his team would hold your hands. They are so experienced, and would help you with the best rate in the market.
I will definitely recommend First Time Finance any day, any time.
The Founder's Story
Hey! I’m Ripley Salgueiro, the founder of First Time Finance; the Foreign National Mortgage Specialists.
My grandfather Immigrated to the UK in his late twenties from Spain. Through buying his own home (one I have many fond memories of) he was able to have a great family life here and build up home equity which later supported his retirement, paid for my late grandmothers care, and continues to support our family.
Seeing how much of a difference this has made to my family, I want this for other immigrant families, so they can build the same thing for themselves.
I want to make a difference, and by being your trusted adviser through getting the right mortgage, insurance and buying their first home - I do exactly that.
Buying your first home is harder than ever for anyone, but as a foreign national, you'll be subject to additional restrictions that make it near-impossible for most, without the right advice.
In a market where the odds are already stacked against you, I’ve made it our mission to stand by you, offering a client-centric service designed specifically for Foreign Nationals looking to buy their first home in the UK, using expert advice and personalised support to make the whole process easier.
Together, we’ll transform your dream of owning your first home in the UK into reality.
Our Mission
Currently, it is harder than ever to buy your first home; house prices are at all-time highs, interest rates have shot up and the cost of living continues to rise. With rental prices increasing quickly, there’s no doubt that buying your own home is a much better option, but how can you do it?
As a foreign national, you'll be subject to additional restrictions that can make this near-impossible for most, without the right advice.
Too often, we speak with clients that have been told they need a 25% deposit, or permanent rights to reside in the UK to buy their first home here - but this normally isn’t true!
Our mission is to be the UK’s trusted foreign national advisers, who give the right advice that enables them to buy their first home in the UK easily and with confidence. All whilst achieving the best mortgage deal for them, and setting up their financial future correctly.
This is why we dedicate all of our time and effort to helping people, just like you, to achieve their goal of buying their first home in the UK.
We’re not just your mortgage adviser, we’re your personal guide to becoming a homeowner in the UK and building your financial future here.
Your Next Steps to UK Homeownership
Contact us -
Ready to buy? Book an initial call using the button below.
We’ll explain everything simply & find you the best deal - We’ll explain how the process works, answer any questions you have and let you know the next steps. We’ll then get to work on securing you the best mortgage deal and getting a pre-approval for you.
We guide you through the entire process -
We provide you with everything you need to make the right decisions at each stage, take care of applying for the mortgage and insurances, and guide you through the rest of the process to minimise the work involved for you.
You get the keys to your new home - and we'll be here to support in the future.
First Time Finance is a trading style of Salgueiro Financial Ltd which is an Appointed Representative of Stonebridge Mortgages Solutions Ltd which is authorised and regulated by the Financial Conduct Authority. Registered Office: Salgueiro Financial Ltd, 8 Matthew Street, Reigate, RH2 8ES. Registered Company Number: 14305982. Registered in England & Wales.
There may be a fee for arranging a mortgage and this will be agreed with you prior to advice being given. The precise amount will depend on your circumstances and the type of mortgage you require, but this will typically be a £195 application fee, plus £300 once the mortgage offer has been confirmed.
Your home may be repossessed if you do not keep up with the repayments on your mortgage.