We had an excellent experience with First Time Finance while arranging our remortgage. From start to finish, the process was handled with professionalism, efficiency, and genuine care. Ripley... See more
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Company details
Written by the company
The UK Mortgage Specialists For Foreign Nationals. First Time Finance is a trading style of Salgueiro Financial Ltd which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered Office: 124 City Road, London, EC1V 2NX. Registered Company Number: 14305982 registered in England & Wales. - Your home may be repossessed if you do not keep up repayments on your mortgage.
Contact info
124 City Road, EC1V 2NX, London, United Kingdom
- 02035764870
- hello@firsttimefinance.co.uk
- firsttimefinance.co.uk
My experience with First Finance
My experience with First Finance was exceptional and tailored to my specific needs, making the entire process smooth. With First Finance, every step is personalized, ensuring that regardless of your circumstances, there is a solution for you. As a foreign national, I had previously been told by other advisors that I did not qualify or that certain schemes were not suitable for me. However, First Finance helped me secure my first house at a very competitive rate and with an affordability I was previously told I didn't qualify for.
Smooth, fast and painless process
It was great working with Ripley from First Time Finance. He was always available to speak and gave very regular updates on progress of the mortgage application. We are first time buyers and therefore new to the whole process but Ripley explained everything that needed to be done and did not over complicate it for us. I would recommend First Time Finance to anyone looking for a smooth, fast and painless Mortgage application process!
I couldn’t recommend first time finance…
I couldn’t recommend first time finance enough! Ripley has been so amazing throughout the whole process and has been there to answer all of my questions and put my mind at ease at each stage. We had absolute nightmares with solicitors and had to make so many changes and he was always there to reassure and help wherever he could! Will be forever grateful for everything he has done for us!

Reply from First Time Finance
Couldn’t recommend Ripley enough
Couldn’t recommend Ripley enough. The patience he showed during the whole process with my poor availability on the phone and very slow to reply to his messages.
I will always be using his services in the future with 100% confidence.
Michael Walker

Reply from First Time Finance
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.

Reply from First Time Finance
Can’t recommend Ripley enough!
Ripley has been just amazing at supporting/hand holding through the whole mortgage process. His calm approach has been a huge support, nothing is too much and he genuinely has had my best interests at heart which is so refreshing. Thank you

Reply from First Time Finance
Being a first time buyer
Being a first time buyer, I had absolutely no idea where to start, how the process moves along, who to speak to or even how long things would take. During our first meeting Ripley put my mind at ease and explained the process bit by bit and going over any bits I felt confused by. Any time I have felt overwhelmed or stressed Ripley has been able to calm the situation down and explain things in simplistic terms allowing me to understand.
As I am self employed, I felt the mortgage application would be really difficult but it became so much easier with Ripley's advice, knowledge and help along the way.
Although buying any property be it first or last is stressful, having someone like Ripley from first time finance is a must. He's been an absolute god send and I will continue to recommend to anyone looking into purchasing a property. He has made the process simple, easy and has always been very quick to respond to any questions I have asked.

Reply from First Time Finance
His expertise and support made the journey smooth and stress-free.
Ripley from First Time Finance was an essential in guiding my partner and I through the process of buying our first home.
His expertise and support made the journey smooth and stress-free. With Ripley's help, we secured the right mortgage and insurance, and now we're happily settled in our new home.
We couldn't have asked for a better experience!! Thank you, First Time Finance, for your fantastic service!
Buying made easy and straightforward
I started working with First Time Finances a few months ago, and what a difference they really made. I was working with Ripley, and he clearly explained the whole process and everything I needed to do. He even provided me with my own 'Passport to Buy' which gave me things like a viewings guide and progress trackers which were so helpful through the process so far. We've just got my mortgage offer and I couldn't be happier with the service. They took care of all the work involved and I've been kept updated at every stage. Would definitely recommend!
In the few conversations I have had…
In the few conversations I have had with Ripley, he has been of good help to me. Home ownership can be a bit of a daunting process especially when you don’t have the ins and outs of the process itself but he has assured me help and assistance when and where needed. I’m glad I came across his business and look forward to my home ownership journey because of the useful services he renders.

Reply from First Time Finance
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.







