Your Homeownership
Journey Starts Now
The system wasn’t built for you. The rules feel confusing. The barriers seem endless. But that doesn’t mean homeownership is out of reach. With the right mortgage, expert guidance, and a team that understands your journey, you can finally step through that door.
- Over £126M in Mortgages Secured
- 99% Mortgage Approval rate
- Rated 5 Star by Happy Clients
Who We Help
Tired of hearing ‘not yet’? We’ll help you change the answer to ‘yes.’
A Nigerian nurse on a work visa overcame credit challenges to secure a mortgage.
A Ghanaian IT professional navigates the system after being rejected by multiple banks.
Not sure if you qualify? Check Your Mortgage Eligibility in 60 Seconds.
Your Homeownership Roadmap
Owning a home isn’t just a process. It’s a transformation. Here’s how we make it happen.
Step 01
Let’s Talk—Your Journey Begins Here
Every great journey starts with a conversation. We’ll listen to your story, answer your questions, and help you understand your best path forward—without pressure, just clarity and understanding.
Step 02
Laying the Foundation—Your Pre-Approval
Before you start house hunting, we’ll secure your pre-approval. This gives you a clear budget and the confidence to make an offer when the time is right—without worrying about surprises later.
Step 03
Finding ‘The One’—Making an Offer
Your dream home is within reach. We’ll guide you through making an offer, securing the right mortgage, and choosing the protections that keep your investment safe.
Step 04
The Green Light—Mortgage Secured
We’ll handle the entire application process—navigating lender requirements, ensuring accuracy, and keeping you updated every step of the way.
Step 05
Closing the Deal—Final Checks & Support
Contracts, deadlines, paperwork—we make sure everything runs smoothly so nothing holds you back from move-in day.
Step 06
Welcome Home—And What’s Next
Getting the keys isn’t the finish line—it’s the start of your future. We’ll help you stay on the best deal and plan for what’s next.
Trusted by Foreign Nationals. Proven by Results
But homeownership shouldn’t be a waiting game. You’ve worked hard for this
moment, and we’re here to make sure nothing stands in your way.
We understand the unique
challenges of buying in a
new country.
Visa-friendly mortgages &
low-deposit options tailored
to foreign nationals.
A team that truly cares - no
jargon, no confusion, just
clear advice.
99% approval rate - hundreds of
foreign nationals have secured
their first home with us.
*this is based on mortgage applications
submitted to receiving the full mortgage offer
See how we’ve helped others.
FAQs – We’ve Got You Covered
Do I need a huge deposit?
No, there are 5-10% deposit options available.
Can I really get a mortgage when on a visa in the UK?
Yes! It is true that most lenders won’t lend, but there are enough that do; these are the lenders we work with every day!
What if I don't have a UK credit history?
We’ll help you find lenders who accept a lower credit score or international credit backgrounds.
Why do you charge a fee?
The fee we charge enables us to provide an amazing service. This level of support is what our clients deserve—it’s how we guide them through every step of the process. Without charging a fee, we wouldn’t be able to deliver this standard of expertise and care.
Still have questions?
*You are now leaving the website of First Time Finance and we cannot be held responsible for the content of this external website.
Our Fees Are Simple.
We’re not the cheapest—but we are the best at what we do. Buying a home in the UK isn’t always straightforward, but with us, you get expert guidance, a proven process, and a team that truly has your back every step of the way.
You only pay once we’ve successfully secured your mortgage offer—so there’s no risk to you, just expert support.
The First Time Wall:
Their Stories. Your Future.
This wall isn’t just names—it’s stories, journeys, and proof that homeownership is possible. Every name here started where you are now. They took the first step—and now, they have the keys to their own home. Your name could be next.
Rated Excellent on Trustpilot
We’re proud to have a 4.8 out of 5 rating based on 81 reviews from clients we’ve helped confidently secure their homes.
