First Time Finance

At First Time Finance, we help foreign nationals secure their first home in the UK with expert mortgage advice, visa-friendly solutions, and a team that truly understands the journey. We know the UK mortgage system can feel overwhelming. Between unfamiliar requirements, low deposit challenges, overseas income, and a lack of credit history, it’s easy to feel like homeownership is out of reach. That’s where we come in. Whether you're on a visa, self-employed, or earning from abroad, our process is built to simplify every step, from your first discovery call to getting the keys (and beyond). We’ve helped over 400 clients, secured £126M+ in mortgages, and maintain a 99% approval rate, because we focus on people, not just paperwork. Our Proved Process: • Personalised mortgage advice for foreign nationals • Application packaging to boost approval odds • Access to 5–10% deposit and shared ownership options • Support for self-employed and overseas income buyers • Ongoing reviews to help you stay on the best deal We're here to make homeownership feel possible, not impossible. Simple. Clear. Built around you. First Time Finance is a trading style of Salgueiro Financial Ltd, an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.