First Time FinanceReviews 

I was scrolling mindlessly on Instagram when I came across one of Ripley’s video. He spoke passionately about helping migrants get mortgages despite their unique situations and that gave me hope as we had previously been let down by two brokers.

Our house reservation had expired and we were on a very tight deadline, not only did Ripley get us a mortgage but at a fantastic interest rate with ease.

Thank you Ripley and Allie, we are eternally grateful for making our dreams come true and helping us buy our first home in England as immigrants.

Ripley and his team were always available and ready to assist us all the time with all our queries as our mortgage advisors. They showed professionalism, honesty, commitment and dedication during our engagement. In addition, the service they provided in getting us our mortgage offer as first time buyers was truly impeccable and I am deeply satisfied.
I am happy to recommend them as they have all the required knowledge and expertise to get you the best mortgage offer that is available out there.
Thank you for your service.

Ripley is so knowledgeable and was on time with the right advise at the right time. He kept to agreed timelines and even when he handed over the work to Allie , things kept moving smooth. I got that its not just about making money for him but giving clients the complete experience. Very happy with the progress and what he simulated is what we got.

Ripley and Allie went above and beyond to ensure our mortgage acquisition process was smooth and successful. I’m on a skilled worker visa who has been in the UK for 2 years but my husband has only been here for 12 months so I thought that would be a problem. It was not! In fact, all we had to do was to sit back and let them do all the work. I highly recommend first time finance!

I have been impressed by Ripley and his team at First Time Finance mortgage advisor's level of understanding, professionalism, and exceptional quality of service. One key area I was blown away by was the constant support provided as a first-time buyer in answering all my queries and going above and beyond to get me the best available mortgage offer within a short period due to the strict timelines I was working with was highly commendable.

For first-time buyers, I recommend Ripley and his team at First Time Finance as they will not only get you the best deals available, but they will also exceed your expectations.

We got an excellent experience purchasing our first home with First Time Finance. Before getting in touch with Ripley, we had encountered several mortgage brokers who told us it wasn’t going to be possible given our situation. However, Ripley from the first time we had our chat made us feel comfortable, he was very encouraging and told us it was possible. It was a very smooth and easy process overall. Within a week after our chat we got an agreement in principle. He was always available for a chat and explained the process thoroughly. He held our hands throughout the journey till we got our mortgage offer. We are so pleased to have worked with Ripley and his team at First Time Finance. Such a solid guy who knows his stuff. I am sure we would have bought our home a year before if we had met him earlier 😀

Ripley made the process a lot more bearable! Very friendly and helpful

Ripley made things very easy and straightforward for me when other lenders were not willing to give me a loan. Ripley also response quick to your queries. Highly recommended.

As it is, the process of house buying can be super complex, Ripley made everything easier and simple
I would highly recommend First time Finance, always on point with everything and awesome in communication.

First time finance and Ripley have been so good.. house buying, mortgages and all the legal stuff can be difficult to understand at times but Ripley has been great at answering any questions I had regardless what it was.

I was walked through each step clearly and seamlessly and would recommend to everyone!

I honestly do not know where to start from. Ripley has been amazing. As a skilled worker on a visa I was unsure of whether I would be able to get a mortgage in the UK but he did it for in less than a week. I mean the process was seamless. Any questions he would politely answer. Thank you so much Ripley. I definitely recommend him. I do not regret choosing him to be my mortgage broker.

Great Mortage Advisor,
Always happy to help and answer a ton of questions. Amazing experience and I am now a home owner. Would recommend and use again!

I had a great first consultation with Ripley Salgueiro! Ripley took the time to break down different mortgage options and answered all my questions, which made the whole process feel a lot less intimidating. I left feeling much more confident about my choices and what to expect.

Ripley was super approachable and really listened to what I was looking for. He seemed genuinely invested in helping me find the best fit for my financial goals.

If you're looking for someone knowledgeable and easy to talk to about mortgages, especially for those who recently moved to UK and are still without a permanent residency, I’d definitely recommend setting up a meeting with Ripley.

Ripley was very quick to respond, helpful, knowledgeable in helping people with a visa and for people looking to do a 5 percent deposit even if i have been in the UK for a short period of time. On top of that he has a great personality and is easy to get along with.

If you are a migrant looking to buy your first property, First Time Finance should definitely be your mortgage advisor.

Meeting Ripley was a blessing. He assisted my husband and I throughout the process of buying our property.

From searching for a property to buy to selecting one, he was there to provide help and guidance.

Ripley and his team would hold your hands. They are so experienced, and would help you with the best rate in the market.

I will definitely recommend First Time Finance any day, any time.

Hi there,

Here’s a happy client, sipping juice, relaxing and writing from the comfort of his new first dream home and Ripley from firstimefinance made it happen.

I found Ripley at a time when every mortgage broker was telling me it’s impossible to lend certain amount to get that home I loved; as I have not been up to 3 years in the UK and based on my salary range, but Ripley with relentless effort did the impossible and was able to secure me a good mortgage and did not stopped at that, him and his team made sure that as mortgage rate goes down they are helping to secure these favourable rates. He’s done more than this, for example, he was patient enough to explain any jargons to me as a first time buyer and he always make time for meetings and important discussions, he also helped in securing my house insurance.

I more than recommend him and his team and if there’s any ratings more than 5 stars, that’s what I will give.

Best regards,
Happy-Satisfied client

I had a Fantastic experience.
Ripley was always available to provide us with all the support we needed, guiding us through each step with ease. His expertise and clear communication made the process simple and worry-free. I couldn’t recommend him more highly!”

“Exceptional service! went above and beyond, making the entire process smooth and stress-free. They were knowledgeable, attentive, and kept me informed every step of the way. Highly recommend to anyone looking for expert, personalised support!”

Brilliant service provided by Ripley. Always making sure we were in contact. Easy to keep a track of things, and very easy to understand what documents needs to be sent. Even in the times it got a bit tricky, Ripley made sure he got the best for me, and was quick with his updates

Working with Ripley (First Time Finance) as our advisor over the course of our application to approval was seamless. From the first contact, he made sure to provide details of what we will need and gave guidance on how to get them ready. He was always there to answer any questions, offer advice and provide information in every step of the way and very much responsive to any questions we had. I will always recommend him as my experience with his service was nothing short of exceptional.