First Time FinanceReviews 

From start to finish, it was an awesome experience with Ripley. He went above and beyond to see my mortgage process through, went over all the lenders , took his time to explain everything and every stage. I was kept informed of every detailed as and when it available. I couldn’t have asked for more.
I recommend 100% and above if possible

Ripley and the team have been amazing! Very quick response from the team and extremely helpful at all times! We would definitely recommend getting advice from Ripley and the team :)

Ibimina and Ripley are the best mortgage advisors out there hands down.
In my situation it was seem almost impossible to get a mortgage offer. However I approached Ripley last minute and he gave us reassurance, worked tirelessly until we got an offer within a month interval.
I cannot recommend Ripley and his team enough to anyone wishing to climb the property ladder for the first time or who might have a complicated situation that requires non traditional mortgage processes.

Thank you so much Ripley and Ibimina , I and my husband really appreciate your hard work.

It has been an amazing delight working with Ripley and his team. They have made this mortgage process so easy and seamless from start to finish. I would 100% recommend First Time Finance for your mortgage process. Thank you Ripley.

We had the pleasure of working with Ripley as our mortgage advisor, and we couldn't be more impressed with the experience. From start to finish, Ripley was incredibly patient, taking the time to walk us through every step of the process. No question was too small or too complicated, and Ripley was always ready with clear, thoughtful answers. It was evident that Ripley genuinely cared about ensuring we understood all our options and felt confident in our decisions, Ibimina was also cool with providing constant updates throughout the process.
We are so grateful for their support and highly recommend First time finance to anyone in need of mortgage guidance. Truly outstanding service!

Ripley made the whole process as seamless as it can be and gave advice on absolutely everything. As a first time buyer, Ripley made sure to answer every single question to my satisfaction. I'll definitely be recommending First time finance to friends and family in the future. Thank you, Ripley and the First time finance team🥂.

My experience was excellent. Firstly, the company's commitment to clear communication stood out. From the first appointment to the end of the mortgage approval, I always felt informed and valued. I would recommend them to anyone looking for a mortgage.

Ripley and his team have been fantastic from the start of our mortgage journey. They made the entire process very easy and were available to provide update to us at every opportunity.
Their level of professionalism and commitment to seeing the process through for us has been exceptional. I would highly recommend them to everyone especially first time buyers on a work visa like us.

First Time Finance and Ripley were fantastic. They guided us through every step of the process and secured us a great mortgage. We really couldn’t have asked for a better service!

Well, first appointment goes very well. He promised me can do it my mortgage with crypto deposit ( all other mortgage advisor said not to do it) very good I did other way around what he said. Call many other solicitors and mortgage advisor all of them said not to deposit money from crypto even if all clear, in the end he said we cant work together? If i will follow his fake promises, i will fail in the end((((( ....please be careful.

Ripley is very knowledgeable and approachable and explained everything thoroughly. Without his advice and guidance we would not be anywhere near this point in the process of becoming home owners! Both him and Ibimina kept us informed throughout the mortgage application process. We can’t fault their service. If you are looking for a reliable mortgage advisor, contact Ripley at First Time Finance with confidence!

I would definitely recommend First time finance to anyone that want to start the mortgage journey process. 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 needed even during the property offer negotiation process with the estate agents. Keep up the good work guys 👍.

Stumbled on one of his posts on TikTok, contacted him and he has been absolutely helpful and amazing. As a first time buyer he simplified the process and got us a very good mortgage deal.

Ripley has been the best mortgage advisor I could get in touch with, very good with communication and have a good understanding of every situation.Been in touch with some advisor but they are not just ticking all the boxes for me. He has a good team and Allie has been good also.

If a year ago someone had told me that I would be living in my first home, and that it would be exactly how I imagined and wanted it to be, I would have thought it was impossible – that I couldn’t afford such a home. But Ripley made all of this possible for my husband and me.
I discovered Ripley through social media and downloaded a free ebook he was offering, which was packed with useful information. After that, I began receiving his very informative emails. He wasn’t my first choice when I started looking for a mortgage adviser, but reaching out to him turned out to be the best decision I could have made.
From the very first moment, Ripley showed he was the right mortgage adviser for us. He met with both my husband and me online, ensuring we were both involved in the process – something other advisers didn’t offer, often saying it was fine to speak with just one of us.
He was also very flexible with meeting times, offering late evening slots, which was a lifesaver for me as I work full-time and didn’t need to take time off. Throughout the entire process, Ripley was incredibly helpful, responding promptly to every query and guiding us through steps we weren’t familiar with.
We are truly grateful to Ripley for turning what was just a dream a year ago into a reality. His advice, recommendations, and ability to get us the best deals were invaluable. I would highly recommend him to anyone looking to buy his first home.

I moved to the UK in 2022 on a work visa. I was ready to buy a property 18 months later, so I spoke to various brokers about mortgages, and I heard the same broken record - "You cant get a 90% LTV mortgage before 3 years of living in the UK as a foreigner". I would have had to come up with a 25% deposit if I wanted to get a mortgage within 3 years of living in the UK.

My brother then sent me a TikTok to Ripley from First Time Finance. I was skeptical to say the least, but what did I have to loose, so I gave Ripley a call and we discussed my situation and requirements.

Ripley is very knowledgeable about mortgages, insurances, the market, interest rates etc etc. You could not have asked for a better person on your side. He was always polite, helpful, and nothing was too much trouble. He walked me through every step of the process, he gave me regular updates and gave me great advise. I never felt pressured to commit to anything at any point.

Ripley negotiated with the various lenders and got me the best possible deal for my situation. I am delighted to say that as of the writing of this review, I am in MY new home, the home is insured, I am insured and I have additional cover for all things unexpected - and it is all thanks to Ripley.

Ripley - thank you again - you are an absolute rockstar, and I could not be happier!

KH.

I ran out of all options and l was helpless until a friend of mine told me about First Time Finance and said l should check them out on instagram. I did and my story changed for good. I reached out to Ripley immediately for the first time on 14/12/2024 and he gave me a reassurance that ALL HOPE IS NOT LOST! and he took up my Mortgage Advising and of course within 2 months,he pulled it off. Thank you Ripley!!! Thank you Allie!!!

Ripley was very knowledgeable and detailed about the mortgage market, addressing all my concerns and questions. I made up my mind immediately after our first conversation and honestly, one of the best decisions thus far. I recommend First-time finance services to every first time buyer out there not sure of where or how to go begin their house buying process.

Allie and Ripley are the best mortgage advisors for any immigrant in the uk. No matter how worst you think your situation is. They will always find something suitable for you. We secured one of the best interest rates as an immigrant. Well done first time finance team.

Ripley and Allie, have been so helpful during our mortgage application searches despite our situation.
Our mortgage offer received.
Thank you First time finance.