First Time Finance Reviews 

From the word go, the advisors were professional and very informative. They updated us at every step and made the meetings very exciting and enjoyable. They have a personalised approach that makes you feel like you are their only client. They get 5 stars from me for their work ethic and delivery of service. Henry and Ibimina where very informative and helpful in making decisions. I did not think we had a chance of finding a mortgage lender but they assured us that we would get one even with our circumstances. In a week they had already found us a suitor but also had more lined up if we did not prefer the first one they recommended. Within a month we had a mortgage offer , a bid accepted and were waiting for the searches and the rest of the paperwork to be completed. I would highly recommend them to all first time owners like us.

Henry, Ibimina and Allie were quick to get us the AIP and mortgage offer. They provided me with regular updates and were very quick in responding to our queries. I'd recommend First time finance anyday.

Outstanding Mortgage Brokers — Professional, Fast, and Truly Supportive!

First Time Finance are absolute professionals who really know their stuff. As a first-time buyer, I couldn’t have asked for a better experience. They guided me from start to finish with great communication, patience, and expert advice.

The process was quick and completely result-oriented. I had access to the team 24/7 through our WhatsApp group chat, and they were always ready to answer my questions and provide updates. They’re still supporting me even as I’m getting my keys — and beyond!

If you’re looking for a mortgage broker who genuinely cares and delivers results, I highly recommend First Time Finance.

Our needs were understood
We were given all the information we needed
They just made the whole process a lot easier
I highly recommend First Time Finance

Good communication, great advice. They listen to your needs and advise accordingly. They are upfront with their fees, no hidden fees and surprises. Very good to work with. Ripley and Ibimina made the process very easy for us

I first came across Ripley’s services around two years ago through social media and signed up to his email subscription, where he regularly shared valuable insights about the housing market. Even before I became a client, he was always responsive to any questions I emailed, which really stood out to me.

We had an initial meeting with him last year, and he was incredibly honest and transparent about our situation. He actually advised my partner and me to hold off for a bit, which showed he genuinely had our best interests at heart rather than just chasing a sale.

Fast forward to a year later when we were finally in a good position to buy — it was a no-brainer to go with Ripley and his team. I found a property and contacted him on the morning of 18/06. By the very next day, we had our Agreement in Principle, and just two weeks later, we received our mortgage offer — an incredibly fast turnaround, especially considering it can take months in some cases.

Ripley and the team made what is usually a very stressful process feel easy and manageable. As a first-time buyer, I had countless questions and concerns, but they were always patient, informative, and reassuring. One thing I really appreciated was the WhatsApp group chat — it kept communication flowing, made everything feel relaxed and nothing ever felt like too much trouble.

A special shoutout to Ibimina, who regularly checked in on us and even chased our solicitors when things went quiet on their end. Her support was invaluable throughout the process.

They also helped arrange our building insurance and will be assisting us with life insurance when the time comes. It's these extra touches that really show their commitment to offering a complete, end-to-end service.

Thank you so much to the entire team for helping us secure our dream home. I’m beyond grateful and will absolutely be recommending your services to friends and family.

Their fees are more than fair for the service they provide — they truly go above and beyond to get the best rates and ensure the entire process runs smoothly.

Our first home-buying journey started after we came across Tochi YouTube channel where she hosted Ripley on a Live session. Then we proceeded to Ripley's TikTok and watched all his videos. Thereafter, we were convinced to reach out to him. From that moment onward, Ripley and his team have been fantastic from start to finish, guiding me and my partner through the entire process with professionalism, and clarity.

He explained every step in detail, answered our many questions, and always reassured us when things felt overwhelming. His friendly and approachable nature made a big difference, and I must say that he went above and beyond to make the entire process smooth especially for us as FTB.

Let me mention that Ripley also recommended the "Conveyancer" that we used for all legal processes and completion which was handled smoothly and successfully. The team member by name "Ibimina" played a fantastic role here alongside the conveyancer.

Ripley recommended a very good mortgage provider that we used, with a great interest rate and an excellent package which is an amazing deal for us as FTB. This made the whole experience even more rewarding.

We’re very grateful for the entire team's support, expertise, and personal touch in their service for our successful property purchase. I would not hesitate to recommend First Time Finance to anyone looking for reliable mortgage advice and support.

The work-done, diligence and professionalism was top-notch.
The Team was ever-ready to look into All options without lag or compromise.

They are such a great team with good communication skills, the process was a straight forward one. I'm happy my husband chose you among the many options we had.

Clinton really knows his information about mortgages. Very organised and understood what I needed, providing clear options and next steps.

I had the pleasure of working with Henry and Ibimina — WOW, what an incredible team! Their professionalism, deep knowledge, and efficiency truly exceeded my expectations. I was amazed by how quickly everything came together — they managed to secure a mortgage contract for us in just three weeks! They were not only knowledgeable but also genuinely helpful throughout the entire process. Exceptional service — keep up the fantastic work!

Please note: I am human and the abbreviation of my last name coincidentally only happened to be A.I😂
About First time finance:
They are patient and understanding of our situation. Offered solutions as soon as issues arose. They were very reachable and kept updating us as frequent as possible. Very approachable and helpful in filling necessary documents. Ripley even understood the idea of thrift (Ajo) and as he spoke about this, there was evidence he had worked with many people in similar situations which was really reassuring 😃. They were ready to jump on a call as soon as identified. We felt listened to and didn’t have any doubt in them as it was apparent that they were working towards getting the best deal for us.

We recently completed on our first home, and I can’t thank Ripley, Ibimina enough for their support throughout the process.

From the very beginning, they were professional, approachable, and always available to answer questions (no matter how small!). They guided us clearly through each stage, explained our options in detail, and worked diligently to make sure everything stayed on track.

As first-time buyers, the mortgage process felt daunting at first, but with their advice and reassurance it became smooth and stress-free. Their communication was excellent, and they went the extra mile to ensure we were comfortable and confident with every decision.

I would highly recommend their services to anyone looking for mortgage advice — we couldn’t have asked for a better team to help us on this journey.

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I will like to share my joy with this outstanding team anchored by Ibimina and Clint (First Time Finance), they are simply amazing! After bad experiences with other brokers, we had almost lost hope of ever getting a mortgage. From the very first meeting, they reassured us and kept us updated every step of the way. They went above and beyond—chasing solicitors, negotiating the best rates (and even securing a reduction just before funds were released), and making insurance simple and affordable.
Thanks to their professionalism, persistence, and genuine care, we are now proud homeowners. A truly outstanding team—I cannot recommend them highly enough!

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We can’t thank Firsttime Finance (Ibimina, Clint and the team) enough for helping us achieve our dream of buying a property.
Our journey wasn’t easy. We first worked with another mortgage advisor who pulled out after months, saying they couldn’t proceed because of an old ajo contribution in our account—even though we explained it was past and unrelated. Then we tried another agency, but after sending them all our documents, they stopped communicating completely. At that point, we had almost lost hope.
Then one day I came across Firsttime Finance on YouTube. Their videos explaining the mortgage process gave me some hope, but I was still skeptical. My wife encouraged me to try, so we booked an appointment. When we explained our situation, they simply said: “Consider it done.” Honestly, I didn’t believe it at first—but as we continued with weekly meetings, everything became clearer and progress was steady.
Finally, our mortgage was granted and our property purchase completed! 🎉 just got our keys 🎉
The team went above and beyond—chasing solicitors and lenders to make sure there were no delays, securing us the best rate, and even negotiating a reduced rate just before funds were released. They also made arranging our insurances very affordable and stress-free.
This is a team that truly cares and delivers. We are so grateful for their professionalism, persistence, and support.
Highly recommended!

My husband and I had an excellent experience with First Time Finance recommended by a friend. The team was professional, responsive, and patient in answering all our questions. They guided us step by step through the mortgage process, kept us updated at every stage, and made everything feel stress-free. Will highly recommend them to anyone looking for a smooth mortgage process.

The team was super amazing and super helpful. Even when we thought it will be impossible Ripley, Ibimina and Allie kept pushing and it worked out even better than we expected. They were so attentive and carried us along by frequent updates. They certainly are great at what they do and would anytime any day highly recommend them. A 100/10 service.

I had a great experience with First Time Finance. The team was knowledgeable, easy to communicate with, and always kept me updated throughout the process. Their communication was clear and timely, which made everything feel much smoother and less stressful. It was my first time going through the mortgage process and I truly appreciated how approachable and helpful they were at every step. I would definitely recommend them. Big shoutout to Ibimina and Ripley, you guys were great.

Really excellent service. Knowledgable team laid all the options out v clearly, and the correct decision became clear from that.
Really pleased with the rate secured (better than I expected) - many thanks to Clint and Ibi for making it all so straightforward.
Will definitely use you guys at end of next fixed term! Thanks,

Fast responses
Great customer service
Fair prices