Your UK Mortgage
Journey Starts Now
Visa rules. Paperwork. Rejection. It’s overwhelming.
We specialise in UK mortgages for foreign nationals, guiding you past the barriers with clear advice, expert support, and people who truly get your story.
Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.
- Over £126M in Mortgages Secured
- 99% Mortgage Approval rate
- Rated 5 Star by Happy Clients
Who We Help
We help foreign nationals overcome credit issues, visa uncertainty, and lender rejection to secure their first UK mortgage, with clarity, empathy, and expert support.
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.
Your Homeownership Roadmap
Owning a home as a foreign national isn’t just a process. It’s a transformation. Here’s how we guide you to your UK mortgage, step by step.
Trusted by Foreign Nationals. Proven by Results
As UK mortgage brokers for foreign nationals, we help turn your hard work into homeownership, with clear steps, honest advice, and results that speak for themselves.
As UK mortgage brokers for foreign nationals, we help turn your hard work into homeownership, with clear steps, honest advice, and results that speak for themselves.
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
Please be aware that by clicking on to the above links you are leaving the First Time Finance website. Please note that First Time Finance nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.
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?
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.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £295 – £695 and this will be discussed and agreed with you at the earliest opportunity.
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.
Each one started where you are now. They took the first step. Now they own their home. You could be next.
We are rated 5 stars by our clients.
