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. 

Whether you're on a visa 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 Proven Process:
• Personalised mortgage advice for foreign nationals
• 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.

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.
 
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £295 to £695 and this will be discussed and agreed with you at the earliest opportunity.
 
The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
 
First Time Finance, a trading style of Salgueiro Financial Ltd is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
 
Salgueiro Financial Ltd are registered in England and Wales. Registered No: 14305982. Registered Office: 124 City Road, London, United Kingdom, EC1V 2NX

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