First Time Finance Reviews 196

Really excellent service. Knowledgable team laid all the options out v clearly, and the correct decision became clear from that.
Really pleased with the rate secured (better than I expected) - many thanks to Clint and Ibi for making it all so straightforward.
Will definitely use you guys at end of next fixed term! Thanks,

Fast responses
Great customer service
Fair prices

Discovering Ripley on TikTok
My homebuying journey began the moment I stumbled on Ripley’s TikTok videos. Like another first-time buyer recalled, I “stumbled on one of his posts on TikTok” and decided to reach out firsttimefinance.co.uk on instagram . Right away, I felt a spark of confidence – Ripley truly seemed determined to guide me home.

Clear Guidance and Patient Support
My initial call with Ripley cemented that feeling. He took time to explain every step clearly everything from eligibility requirements to paperwork. As one testimonial noted, Ripley is “very knowledgeable and approachable” and “explained everything thoroughly. He answered all my newbie questions without a hint of impatience. True to form, the entire team kept me in the loop at every turn. Ripley and Ibimina “kept me informed throughout the mortgage application process”, sending updates and walking me through each milestone. I never felt left in the dark: they guided me patiently through each stage. In fact, just as another first-time buyer said, Ripley, Ibimina and Allie were “always responsive, supportive, and clear throughout our mortgage process,” helping reduce stress from start to finish.

Allie and Ibimina’s Support and Reassurance
But it wasn’t only Ripley who made a difference. Allie and Ibimina soon became my go-to guides. Any time I had a question even a small one they were there instantly. Allie handled the nitty gritty: she answered all my detailed queries and held my hand during delicate steps like the offer negotiations. As one client shared, “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”. Meanwhile, Ibimina was my calm in the storm. Her cheerful patience and speed stood out to me and countless others. In another review, a buyer praised that she was “always quick to respond to any questions” and really “went above and beyond to support me throughout the process”, she would explain with warmth and clarity until I was completely comfortable. Together, Allie and Ibimina demystified every form and requirement, making the journey feel manageable rather than overwhelming.

Feeling Empowered and Home-Secure
Their emotional support was as valuable as their technical help. On days when I felt unsure, their encouraging words reminded me why I started this process. I am convinced that for first-time buyers like me, their clear communication and kindness truly make it all “smooth, efficient, and stress-free”. I literally never had a moment of panic, knowing they were on my team. It felt like having experts and friends by my side: knowledgeable yet caring. They kept me involved in every decision, celebrating small wins (“we just submitted your application!”) and answering every call or message immediately. By the time I got the mortgage offer, I was overjoyed but not surprised – I knew they had done everything humanly possible to make it happen. In fact, one satisfied client described their guidance as “incredibly supportive, responsive, and knowledgeable”, and I echo that exactly. Their constant updates and honesty took the fear out of the unknown.

Grateful Conclusion and Strong Recommendation
Thanks to Ripley, Allie, and Ibimina, my dream of homeownership is real. I can’t thank them enough for treating me like more than just a client. As one reviewer put it, this team’s “professionalism and genuine kindness” are truly second-to-non. Today I’m also one of the happy homeowners who will “definitely recommend their service repeatedly”. If you’re a first-time buyer feeling anxious, trust that this team will hold your hand every step of the way. They made my journey possible, and I know they’ll do the same for you.

My first home- buying experience with the FTF team is nothing short of spectacular from start to finish!
As a less than 5 year old skilled Uk Migrant, I was very pessimistic and unsure about my chances of securing a mortgage, on a single income for that matter. But... Ripley said, "Yemi, we have got this" and oh boy, he came through !! I got my official mortgage offer within 1 month !!
Prior to that, I had met several mortgage brokers who said my chances were very vague and to give more time to build my credit profile. Some even advised that my only chance of owning a home was via shared mortgage.
In addition to helping me to secure my mortgage, FTF team of intelligent staff also helped with getting the right law firm, home insurance, and provided various crucial home-buying support. Particularly, Ibi was phenomenal.
They ensured timely communication, kept me abreast on all updates. They were reassuring and actively chased things up when I was anxious and frustrated about the delay on the solicitor side of things.
To be honest, I was initially skeptical that I wasn't going to hear from them after getting their advisor fee, oh boy, was I wrong!! They had my back until I received my keys🔑...

The FTF team is definitely a mortgage advisor that you can bank on !! I would give more stars, if i could.

At first I was nervous, I had so much doubts,until I came across First-time finance, They guided me through the process, at times when I was becoming overwhelmed with the whole mortgate stuff, they let me know its expected, helped me maneuver my way, I feel comfortable to call,email or text them at any time.They made it look so easy and the Process super fast ,I feel dazzed.

After being let down by another mortgage advisor and losing hope, I came across First Time Finance by chance and I am happy I have decided to give it another go.
Team Clint, Ibimina and Allie were fantastic! Very professional and reassuring, updating me at each stage.
They got me the mortgage in principle and then the offer very quick and I am very grateful for that!

First time Finance is a great company.Staffs are supportive and very proactive. Their level of technology use is top notch with easy communication.Infact I am stock with them for any support.I give them 10/10.👍

When you think about getting a mortgage offer, first time finance mortgage broker got your back.

We want to use this medium to appreciate your seamless support in securing a mortgage offer for us. We thought all hope was lost when a bank failed us, but first time finance came through for us and we were able to secure a mortgage offer and the property.

They gave us a listening ear, they paid attention to us and they sorted us out within a minimal time.

I recommend a first time finance mortgage broker to everyone seeking help in securing a mortgage offer. And special thanks to Ibimina Wakama for your excellent support throughout the process.

I was able to get my dream home because of first time finances after facing rejection from another lender, thanks to Ibimina for her dedication and to the rest of the team

First time finance are excellent, exceptional, professional and live saver. My wife and I had no hope anymore when we’ve had a lot of rejection from many mortgage experts but First time finance gave us hope and make our dream come true. They deserve all the credit and praise for a great job done in securing our dream house. Thank you so much

Ripley, Ibimina and allie have been amazing from start to finish — always responsive, supportive, and clear throughout our mortgage process. They guided us patiently through every stage as first-time buyers and helped reduce a lot of stress. Highly recommend their service!

Our experience with Ripley, Ibimina and Team was first class! They were incredibly proactive throughout our remortgage process, helping us find the best possible rate and gave us peace of mind through the whole process.

We’ll certainly be back in two years time when we come to remortgage again!

As a first-time buyer, I was quite nervous about the mortgage process, but first time finance made everything simple and stress free. Their communication was clear and advice was honest and straightforward. The service was fast, and they were always kind and quick to respond to my questions. I never felt like just another client. I highly recommend them if you're new to this and need someone you can trust.

They provided an outstanding service in helping me secure my mortgage. From start to finish, the entire process was smooth and stress-free thanks to their clear communication and commitment to keeping me updated - every two days, without fail, I received progress updates, which really gave me peace of mind.

Ripley was fantastic; he offered tailored advice that suited my personal circumstances and clearly has a wealth of knowledge in the field. I always felt I was in capable hands.

The whole team was friendly, helpful, and responsive, but I especially want to thank Ibimina, who was always quick to respond to any questions I had and really went above and beyond to support me throughout the process.

I highly recommend First Time Finance to anyone looking to buy their first property and struggling with getting mortgage offers on a Visa.

Brilliant service! Ripley and his team really took care of my application, explained the process, researched the market and found me a really good deal with a lender. They have been in touch with me through the entire process, available at all times and answering my questions promptly. Their advice helped me get the best deal and my experience has been very positive. Highly recommended, specially for immigrants in the UK looking to buy a house

Ibimina and Ripley ✅
Thank you so much for your help. Your professionalism and genuine kindness throughout the process is matched to none!!! We will definitely use your service over and over again!

If you’re looking for a mortgage broker, look no more, trust me these are the best team out there.

I discovered First Finance on Instagram through a post and saved it for future reference. When I was finally ready to seek help, I completely forgot about it and spoke with other mortgage advisers. Unfortunately, they made our situation seem impossible because they lacked knowledge about assisting immigrants in our process, which made it difficult to move forward. In our desperation, I recalled the contact I had saved. Ripley stepped in and went above and beyond to help us find a lender with an excellent rate. He kept us informed throughout the entire process, making the experience even better than we had anticipated. I will definitely recommend their services repeatedly. Thank you once again, Ripley and Ibimina, for your support!

Been a journey with this team, always available for any questions and updates. Massive experience in dealing with immigrants on a first time buyer basis.

Ripley and his team provided an outstanding mortgage service from start to finish. The entire process was smooth, efficient, and stress-free. They kept us well-informed every step of the way, and communication was incredibly convenient through WhatsApp. It made everything so much easier and quicker! If you’re looking for a great mortgage service with a team that offers constant support and excellent service, I highly recommend Ripley and his team!

Exceptional Mortgage broker of sort! I would give Ripley and his team more than 5 star if I could.They made our mortgage process so stress-free in an extremely professional, efficient and speedy manner. Again, prompt communication from the team is excellent and second to none. I can't recommend highly enough.
A special mention to Ibimina, a very key supporter. She managed our case and exceeded expectations. Startled with how approval was gotten within a week of putting in the mortgage application is in my opinion, unrivalled and incredible. Thank you for the mortgage offer and for been hands on all through the process. We will not hesitate to come back to Firsttime Finance for a remortgage. You're truly the best in class!