Mortgage 1st

Business Details

18 Years

experience

Expert Mortgage Advisers UK

Established in 2008 by Jon Stones, Mortgage 1st has evolved from a single broker firm into a nationally recognized mortgage advisory service. Our family-run business prioritizes relationships, mutual respect, and kindness, fostering a supportive environment for both clients and team members. With a team of experienced professionals, we provide personalized mortgage and protection advice across the UK, ensuring clients receive tailored solutions aligned with their financial goals. Our commitment to transparency, ethical practices, and client-centric service has earned us thousands of five-star reviews.

As an appointed representative of Stonebridge Mortgage Solutions Ltd, authorized and regulated by the Financial Conduct Authority, we maintain the highest standards of professionalism. Our nationwide team works remotely to offer flexible, accessible support, combining market expertise with a dedication to simplifying the mortgage process. We pride ourselves on our collaborative approach, ensuring every client receives comprehensive guidance from initial consultation to successful completion.

Services

Mortgage Advice Remortgage Buy to Let Debt Consolidation Life Insurance Critical Illness Cover Income Protection First Time Buyers Home Improvements Help to Buy

Details

Year established: 2008

Highlights and features

We offer access to exclusive mortgage deals unavailable through direct lenders.
Our nationwide team provides remote support for clients across the UK.
Dedicated advisers and mortgage processors ensure seamless service.
Experienced team with over 1,600 five-star reviews.
Transparent, jargon-free guidance tailored to individual financial goals.

Associations and certifications

Financial Conduct Authority

What people say

Outstanding service Fantastic support Stress-free process Quick communication Excellent advice

Website

Update Listing

Services

Mortgage Advice

Our mortgage advice service provides personalized guidance tailored to individual financial circumstances. We assess income, credit history, and goals to recommend suitable mortgage products. With access to over 80 lenders, we secure competitive rates for first-time buyers, remortgagers, and buy-to-let investors. Our FCA-regulated advisers ensure transparent, jargon-free support throughout the process.

Remortgage

Our remortgage service helps clients secure better rates or release equity from their properties. We analyze current deals, market options, and individual needs to identify optimal refinancing opportunities. Advisers guide clients through the process, from initial assessment to completion, ensuring minimal disruption and maximum financial benefit.

Buy to Let

Specialized buy-to-let mortgage solutions cater to property investors seeking competitive rates and flexible terms. We connect clients with lenders offering tailored investment products, providing guidance on tax implications, rental income assessments, and portfolio growth strategies. Our service simplifies the process of securing financing for rental properties.

Debt Consolidation

Debt consolidation services combine multiple debts into a single, manageable mortgage product. We evaluate clients' financial situations to recommend suitable consolidation options, potentially reducing monthly payments and simplifying debt management. Our advisers ensure clear explanations of terms and long-term implications.

Life Insurance

Life insurance advisory services help clients secure financial protection for dependents. We assess coverage needs, policy types, and budget considerations to recommend appropriate plans. Our advisers explain policy terms, exclusions, and claims processes, ensuring clients make informed decisions about their protection requirements.

People

Jon Stones

Founder

Jon Stones founded Mortgage 1st in 2008, growing it from a single broker firm to a nationally recognized advisory service. He prioritizes ethical practices, client relationships, and team well-being, fostering a supportive, family-run culture that drives the company's success.

Lisa Stones

Co-Founder

Lisa Stones co-founded Mortgage 1st with Jon, contributing to its growth into a multi-award-winning firm. She focuses on team development and client satisfaction, ensuring the business maintains its family-run ethos while delivering exceptional mortgage and protection advice nationwide.

Questions

What does a mortgage adviser do?

Our advisers assess your financial situation, recommend suitable mortgage products, and guide you through the application process to secure the best rates for your circumstances.

How does the mortgage process work?

The process begins with a consultation, followed by market research for suitable deals, submission of a decision-in-principle, formal application, and completion with dedicated case management.

Can I get a mortgage with complex financial circumstances?

Yes, our advisers specialize in finding solutions for complex cases, including non-traditional credit profiles and specialized loan requirements through our network of 80+ lenders.

Do you offer remote mortgage advice?

Yes, our nationwide team provides fully remote support, offering flexible consultations and document management to accommodate clients across the UK.

Reviews (7)

Write a Review

Mark Cave

Aug 24, 2021 Report

Positive:Professionalism
Fantastic service once again from mortgage 1st. Very smooth process from start to finish. Took the stress out of a house purchase.

Anil Hira

May 04, 2021 Report

The company is well represented by my mortgage advisor Hyat Alam, I recently remortgaged my property, I must say Hyat has made the process look easy. My case was complicated. Previously with a specialist lender now with high Street. I want to point out how this gentleman always remained professional he always followed up with his appointment and has been honest throughout the process. I've never met or dealt with this adviser but he's serious work. Hyat even answed my calls out of work hours. I can tell how passionate he is about his job. mortgage 1st, he needs a payrise or a promotion. Keep hold

Steven Brown

Feb 02, 2021 Report

I have used Mortgage 1st since purchasing my first house in 2016. Since the initial purchase mortgage 1st have helped with 2 re-mortgages and are currently helping with the sale of my current property and purchase of a new one. I have dealt mostly with Nikki and she is an absolute superstar, she is extremely friendly and approachable whilst maintaining the expected level of professionalism. Nikki and mortgage 1st remove all of the stress and worry that comes with obtaining a mortgage and ensure it goes as smoothly as possible. I will forever use mortgage first for all of my mortgage dealings!

Whisper Dosh

Nov 11, 2020 Report

Awesome service, as a first time buyer I didn't have a clue, but Daniel went through everything with me and explained it in a way that I could understand without jargon. He was very patient with my endless calls and questions and found me a conveyancing solicitor after being let down by 2 different companies. Would totally recommend!!

Billy Seaman

Sep 29, 2020 Report

Positive:Professionalism,Quality,Responsiveness,Value
My financial advisor was Carl Robbins and he was fantastic, really good advice and very knowledgeable in his field. He made the mortgage application process as smooth as it could have been, covid did cause a few issues however Carl helped me overcome these. Would no doubt recommend mortgage 1st.

Becky Walls

Jun 17, 2019 Report

Have had a great start-to-finish experience with Mortgage 1st. Our first port of call was with Andy who reviewed our initial case. He was so helpful with any questions and assisted us over a couple of weeks. He transferred us to Imran who specialised in cases such as our own. Having both been self-employed our situation was more complex than some. He knew exactly how and where to approach to successfully obtain our mortgage in principle and made the impossible a reality. Imran was quick and efficient with communication throughout and both him and his processing team were always on hand with their

Ruth P.

Dec 17, 2018 Report

Having never used a broker before I was a bit sceptical as to the added value they could bring, but can honestly say Mortgage 1st were worth their weight in gold. They take all the stress out of getting a mortgage, and the fact o could do everything over the phone/email was a godsend when fitting around work and childcare. They have access to rates not on the high street and go with the best option for you without bias. We dealt with Andy and I cant recommed him enough, professional, approachable, knowledgeable and extremely helpful. Would recommend them to anyone.