First Time FinanceAvis 

I had an excellent experience with Babul Islam at First Time Finance.

From start to finish, Babul was outstanding. He was incredibly prompt in responding to every question, proactive in keeping the mortgage process moving, and always precise with his advice and explanations. His professionalism, attention to detail, and polite manner made what could have been a stressful experience feel smooth and straightforward.
I always felt informed and confident because Babul stayed on top of everything and kept me updated throughout. His dedication and commitment to providing excellent service truly stood out.
I highly recommend Babul Islam and First Time Finance to anyone looking for a knowledgeable, reliable, and professional mortgage broker. Thank you for making my home-buying journey such a positive experience!

Honestly, I didn't think I was going to secure a Mortgage Offer so quickly in June 2026. As a Visa Holder, I know that many lenders require you to have a 10% deposit or have strict rules about applying for a higher LTV. I heard about FTF in Jan 2026 and reached out to Ripley wanting to know if my visa type can allow me secure a mortgage. He mentioned yes and another colleague Jamila would reach out to me. Jamila and I spoke and I mentioned I was looking to save 10% deposit and be ready by Jan 2027 to buy. Jamila said I don't need 10% and I could do 5% 🤭.
I was skeptical because even the 5% wouldn't be ready until June. She was positive and encouraged me to start then regardless. Then I got to speak with Henry in March over a welcoming detailed discovery call that made me feel at peace even though I wasn't ready yet with the 5%. Henry was so patient and encouraging.

In April, we applied for my AIP which was out within 2 days, making me aware of the maximum amount I could borrow. This gave me clarity and Henry and Lauren were so detailed in reviewing my documents to prevent any issues. Next, Henry said I should start viewing houses, damn 😄. I was still like hmmm I don't have the complete 5% yet but anyway, I started viewing properties in May. Henry was an amazing guide throughout my viewings and offers and that was truly going above and beyond! ✨️ It felt like having a big brother who has my back. 15 viewings later and 2 offers Accepted in June, it was time for the moment of truth! Mortgage application done and offer received in less than two weeks!!!

What makes my experience with FTF stand out is the ability of the team to guide me towards achieving my goals before my initial timeline without feeling pressured. Every call with the team left me feeling encouraged, energised and heard. I appreciate the Zoom calls, Henry, as you know visuals are a lot better drive human connections. It genuinely felt great knowing that everyone at FTF has my back and carries me along every step of the way. Ibimina was another team member that made a positive impact on my experience. Always keeping me updated. At this point I feel like I know everyone on this team and the level of service didn’t drop irrespective of who I engaged with.

I never write such detailed review but this is 💯 worth my time. Your services go far beyond what general mortgage advisors do. Thank you, Henry, Jamila, Lauren, Ibimina and Ripley. You've built an amazing team and I am proud to recommend 👏🏽

Yours sincerely,
A former 2027 House Owner Aspirant, now a 2026 Home Owner Aspirant. ♥️

They have been amazing. Since the first contact all the given information was very detailed, Babul was very patient explaining every step, and I could even say that he went the extra mile when guiding us in the overall process. We are a married couple with skilled worker and dependant visas, both working full time in the UK, and we got our mortgage approved within a very reasonable timeframe. Thank you Babul and Ibi, 100% recommended.

The professionalism is unmatched. The team goes out of it's way to assist. Even managed to get me good solicitors which made the whole experience so easy. Highly recommend Babul and his team.

Excellent service from the team from start to finish. As a first time buyer, I expected the mortgage process to be daunting, but they made everything clear, straightforward, and stress free.

The communication was excellent throughout, and I was amazed that my mortgage approval was secured in under 48 hours. The team was professional, responsive, and always happy to answer any questions I had.

I would highly recommend them to anyone looking for a mortgage broker, especially first time buyers

Very happy with the level of expertise, communication, and availability throughout the process of application.

I had a great experience with the team. First with Clinton, Lauren and then with Ibimina!. They were all highly professional, kept me updated at every stage of the process, and made everything incredibly straightforward. Communication was clear, clear of jargons, and any questions I had were answered quickly.

The level of customer service provided was outstanding. They took the time to explain all the details clearly, which gave me a lot of confidence moving forward. The turnaround times were quick, and this team were both friendly and knowledgeable. I really appreciate how stress-free they made the whole experience.
Highly recommended!

I can't imagine absolutely geart service with 2 weeks i get my mortgage loan i recommend it

I cannot recommend First Time Finance highly enough. I found the mortgage process quite overwhelming at times, but the team made the entire experience smooth and stress-free from start to finish.

They were always professional, patient, and incredibly helpful, taking the time to answer all of my questions and explain everything clearly. Their communication was excellent throughout, and I always felt informed and supported every step of the way.

A special thanks to Mr. Babul Islam and Ibimina. Their guidance, dedication, and attention to detail gave me confidence throughout the process and helped make what could have been a stressful experience much more manageable.

Thanks to their hard work, I have now received my mortgage offer, and I couldn't be more grateful. I would highly recommend First Time Finance to anyone looking for expert advice and outstanding customer service

We received outstanding service from our mortgage advisor throughout the entire process. They were professional, knowledgeable, and always available to answer our questions. They explained everything clearly, kept us updated at every stage, and made what could have been a stressful experience feel straightforward and manageable. Their advice was tailored to our needs, and they worked hard to secure the best mortgage option for us. We are extremely grateful for their support.

A friend recommended The Mortgage Adviser Group to me, and I’m very glad he did. The team were incredibly supportive throughout the whole process and made what could have been a very stressful experience much easier.

Henry was always patient, professional, and willing to answer all of my questions, especially when I was unsure about different aspects of the mortgage process. His guidance and reassurance gave me confidence at every stage.

Thank you to Henry and the whole team for making the process so much smoother and less stressful. I would not hesitate to recommend The Mortgage Adviser Group to anyone looking for mortgage advice and support.

Everyone we have dealt with at First Time Finance has been amazing. Especially Henry and Ibimina and now Kayleigh. So efficient, helpful and friendly! Highly recommend using First Time Finance.

Our experience with First Time Finance has been outstanding from beginning to end. As first‑time buyers, we expected the mortgage process to feel overwhelming, but this team made it smooth, fast, and genuinely stress‑free.

Jamila supported us right at the start with our property search. She helped us filter through options based on our preferences, budget, and long‑term plans. Her guidance at that early stage saved us so much time and helped us focus on homes that truly fit our needs.

Once we were ready to proceed, Clint stepped in and was exceptional. He guided us through lenders and products that matched our situation perfectly, explaining every detail in a way that made us feel confident and informed. He literally held our hands through each step, and nothing ever felt confusing or rushed.

Ibimina completed the trio with her consistent updates. She kept us informed at every stage, there was never a single moment where we were left wondering what was happening. Her communication was timely, clear, and incredibly reassuring.

The entire process moved far quicker than we expected, and we always felt supported, respected, and well looked after.

If you’re a visa holder and want a mortgage team that truly understands your situation, communicates clearly, and fights to get you the best possible outcome, this is the team you want in your corner.

I have used First time Finance for securing my mortgage, Clint has worked with me extensively and they are a great bunch. I highly recommed them, especially if you are on visa.

Communication was a 100%. The whole process was clearly explained and every question satisfactorily answered. Definitely a good team and would recommend over and over.

We had a fantastic experience working with the First Time Finance Team. From start to finish, they were professional, transparent, and incredibly responsive. They navigated the entire mortgage process with ease and secured a great rate for us. If you want a stress-free home buying experience, I highly recommend their services!

It was straightforward and quick

I would highly recommend their service to any one looking for a reliable ,friendly and trust trustworthy mortgage advisor ,communication was excellent throughout with regular updates and quick responses whenever I needed help or reassurance.

I was deeply impressed by the efficiency and professionalism by this team. Having started the home buying process with no clue whatsoever , first time finance made the journey soooo easy and less stressfull they literally held our hands all the way through. They would communicate every stage and explain in detail every step of the way . Ripley Ralgero , Henry Wren , Ibi and Babul the tam is just soo amazing , very professional and friendly and they made sure we got our mortgage offer within a few days which was very impressive . Thank you team

Incredible service! Thank you for securing our my mortgage in the shortest possible time. It wasprofessional, fast, efficient and totally stress-free. We Highly recommend!