Mortgage advice that fits your life, not just a lender's checklist
Whether you are buying your first home, moving, remortgaging or investing, we find the right deal from a comprehensive range of lenders and stay with you for the life of it.
Advice for every stage of home ownership
First-time buyers
Your first home should feel exciting, not overwhelming. We explain every step, from deposits and schemes to the day you get the keys.
Moving home
Porting your current deal, borrowing more or starting fresh. We work out the best route and keep your move on track.
Remortgaging
Coming to the end of a fixed rate? We compare the market well before it ends, so you do not drift onto a higher standard rate.
Product transfers
Already with us? We check a new deal with your existing lender against the wider market, so you know it is the right call.
Buy to let
For new and experienced landlords, including consumer buy to let, with lenders that suit your rental plans.
Self-build
Building your own home in Northern Ireland? We find lenders that release funds in stages as the build progresses.
The cheapest rate is not always the right mortgage
Fees, term, overpayment limits, early repayment charges and how a lender treats your income all change what a mortgage really costs you. We look at the whole picture.
- A comprehensive range of lenders from across the market
- Lenders that understand self-employed, contractor and complex income
- We handle the paperwork and chase solicitors, lenders and agents
- Protection considered at the same time, so nothing is missed
- A review before your deal ends, every time
What you will usually need
Have these ready and you can upload them straight into the First Stop app.
Employed
- Photo ID
- Proof of address
- 3 months' payslips
- Latest P60
- 3 months' bank statements
Self-employed
- Photo ID
- Proof of address
- 2 to 3 years' SA302s and tax year overviews
- Accounts if limited
- Business and personal bank statements
Simple, clear and tracked from start to finish
Free chat
We learn about you, your plans and your budget.
Research
We search our lender panel for the right fit.
Recommendation
We explain our advice in plain English.
Application
We submit, chase and keep you updated in the app.
Completion and beyond
Keys in hand, with reviews before your rate ends.
What our mortgage advice costs
No surprises. We always confirm any fee before we start work for you.
We are also paid a procuration fee by the lender. We will tell you how much this is when we give you your mortgage illustration, and you can ask us in advance. If your application is submitted through a specialist packager, we are paid by them instead and will tell you.
Download our Services & Fees documentYour home may be repossessed if you do not keep up repayments on your mortgage.
Think carefully before securing other debts against your home. Debt consolidation can increase the total amount you repay and the length of time you repay it over.
The Financial Conduct Authority does not regulate most Buy to Let mortgages.
Let us find your mortgage
A free first chat, no obligation. Call us, book online or start your enquiry in the First Stop app.