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1st Choice Mortgage - BEST Mortgage Services In UK

Lower your monthly payments, tap into your home’s equity or even change the loan terms by refinancing the mortgage with us.

Mortgage broker



Competitive rates

Multiple mortgage solutions


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Fast & quick application process


Personalized Deals 

Get to know your broker virtually

Find the Right Mortgage for You With 1st Choice Mortgages

Our Mortgage Broker offers competitively priced mortgages to suit every budget. Whether you're a first-time buyer or a seasoned investor, we have the perfect mortgage solution for you. With access to a wide range of lenders, you can be sure to find the best mortgage for your needs. Our helpful and experienced team will be on hand to guide you through the entire process, making it as stress-free as possible. Contact us today to find out more about our great mortgage rates.

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Buying a House


Best Mortgage Adviser- The Assistance You Need the Most

I have personal experience dealing with mortgages as a certified broker, so I know how difficult the process may be. I am aware that things don't have to be this way, though.

1st Choice Mortgages is dedicated to assisting you in comprehending all of your financing and mortgage alternatives so that you can make well-informed judgments. To find out what I can do for you, get in contact with me right now.

Looking for a mortgage broker who has the expertise and experience to best assist you when selecting one to work with. I have been assisting customers with their financial alternatives, including obtaining a mortgage or refinancing a home, since 2018. I'm glad to talk to you about my work experiences. Please contact us for more details about a particular experience.

Get the Financing You Deserve


Know the right value of your property before you buy or sell.


Get property checked for clean title and no legal claim/bank attachment


Know all about Property Rates & Trends in your city

Why Work With 1st Choice Mortgages?


Easy application process

online application process is simple and easy to use


Variety of mortgage products

We offer a range of mortgage products


Flexible payment options

We offer a range of payment options to suit your needs

Real Estate Agent

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Read reviews from thousands of happy homeowners

Traditional Saree

Ricky is the most experienced broker with in-depth knowledge of mortgages and finances. He has the capability to get the best mortgage deal whatever complex the situation. Looking forward to having more such deals in the future.

Image by Naim Ahmed

Ricky was very helpful to close the deal in time. He maintained close communication with mortgage lender and also shared his experience regarding all aspects of buying properties. Ricky is highly recommended

Indian Woman

Fast, effective, and also got me a good deal!
Everything was really well assisted through regular emails and phone calls.
And during difficult Covid-19 times, all aspects of my remortgage were dealt with superbly. Thank you. Worth every penny!

  • My Credit rating is poor, can I still get a Mortgage?
    Yes, You can still get a mortgage if your credit rating is poor, Although naturally it could be more difficult, 1st Choice mortgages have helped many clients with a bad credit history to find affordable mortgage deals.
  • Can I get a mortgage if I am self employed?
    Yes, in most cases it will be a clear yes you can get a mortgage if you are self employed, 1st Choice Mortgages will find the right lender to suit your circumstances.
  • How much can i borrow?
    Most of the lenders will conduct a thorough financial evaluation which takes into your net income, credit score, regular outgoings and any loans or credit cards you currently have. The value of the property that is being put up for security will also be taken into account.
  • How long does a mortgage normally last?
    A mortgage will last around 25 years although this can change depending upon a variety of factors. You will know the exact length of your mortgage according to the repayment plan you choose.
  • What type of mortgages are there?
    There are various types of mortgages available depending on your individual circumstances. You can read more about various type of mortgages here (We will hyperlink it, as this will take the reader to “what type of mortgage should I get” section which we are getting designed on our website)
  • Can I mortgage a property I want to let out?
    Yes, you can mortgage a property to let out, This kind of mortgage is known as a buy-to-let (BTL) mortgage and can be interest only. In this mortgage the repayment plan is worked out based on the potential rental income of the property.
  • Do I need to find a home before I apply?
    If you get started before you have a property to purchase, we can issue a pre- qualification subject to you finding the perfect home, which you can use to assure real estate brokers and sellers that you are a qualified buyer.Getting pre - qualified for a mortgage will even give more weight to any purchase offer you make.
  • Will I be charged for paying off my mortgage early?
    In most cases, yes. The majority of mortgage providers will charge an early repayment charge as you are losing the lender money in interest that you would otherwise be paying over the course of the term. If you are in fixed rate deals like 2 years or 5 years after that deal expires sometimes lenders allow you to make overpayment beyond the agreed limit of 10%.
  • What we will ask for?
    You’ll need to provide information about your income and expenditure so it’s a good idea to make sure you have your latest P60 and past three months’ payslips readily available as well as bank statements for the past three months. You’ll need to show proof of your current address such as a recent utility bill and ID in the form of a full UK passport or driving licence.If you get benefits, we’ll need to see the paperwork proving you get these and how much you receive. If you’re self- employed we will need a signed off statement of your accounts from the past two or three years.These must be verified by an accountant.Your SA302 and tax overview form from your tax return is also required if you work for yourself as well as bank statements to verify this information. The most important thing to remember is to be accurate about the information you provide. We’ll help you find a mortgage but need you to be clear and honest about what you earn, your savings and other assets and what fixed expenditure you have. Updated on 28.07.2020
  • What different types of mortgages are there?
    There are two main types of mortgages; Fixed Rate Mortgage and Variable Rate Mortgage.A Fixed Rate Mortgage means that your interest amount is fixed for a period of time(usually two to five years) therefore your repayments don’t change. A variable rate mortgage means the amount of interest you pay can change, and therefore so do your repayments.If you are confused at any point you can directly contact us through the given phone number in contact us page.
  • How do I know I am being offered the best mortgage available to me?
    Being a ‘whole of market broker’ means that we have access to the whole mortgage market. Our advisors search and compare the entire market to find the best offer for you, doing all the hard work for you.
  • How much deposit do I need?
    You will need a minimum of 5% deposit. The more deposit you put in, the better the interest rates will be. For example, if you put in a 15% deposit this will get you a better interest rate than a 10% deposit
  • What is the difference between a repayment mortgage and an interest only mortgage?
    A repayment mortgage is guaranteed to pay off your mortgage by the end of the term as long as all payments have been made. An interest only mortgage is where your monthly payments are only covering the cost of the interest and your loan amount will remain the same.At the end of the term, you would either need to sell the property to repay the mortgage or find another source to repay the loan.
  • What is a remortgage?
    This is simply swapping the mortgage you have on your current property for another mortgage with a different lender. You may consider this option if your existing mortgage deal has expired and you wanted to see if a more competitive deal was available. You could also consider this if your circumstances have changed and you want to borrow more. There are many reasons why you would remortgage but this does not involve moving home
  • Do I have to repay my Mortgage by a certain age?
    The answer to this is simply down to what you can afford, although in some cases it might be a lenders condition for the loan.We would advise speaking to a mortgage adviser to ascertain what term is suitable to your circumstances.
  • What if I want to rent out my property?
    In the first instance you should seek permission from your Mortgage Lender. Your lender may increase the interest rate to reflect the change in risk. A mortgage adviser can provide you with advice on your mortgage and insurance options. Remember that you may also need to change the type of building insurance you hold on the property to ensure it is appropriate for this purpose.
  • What if I lose my job or I am having difficulty paying my mortgage?
    The first and most important thing to do is contact your lender as soon as possible. Lenders are required to treat borrowers in this position "sympathetically and positively". Some lenders also have telephone helplines and debt counselling facilities which may be able to help you.
  • Can I buy at auction with a mortgage?
    Consideration prior to purchasing at Auction: Ensure mortgage approved in principle prior to bidding. Seek advice from a mortgage broker who accesses lenders service standards for quick mortgage offers. Be aware that you will need to provide a deposit at auction, not at mortgage completion. Obtain a copy of the property legal pack at earliest opportunity, prior to bidding.
  • What is the difference between a fixed rate and variable rate mortgage?
    A fixed rate mortgage means you fix the interest rate of your mortgage for an initial period. After the fixed rate ends your mortgage will go onto a variable rate. Fixing your mortgage means your mortgage payments are guaranteed to remain the same for the fixed term. Once you are on a variable rate your mortgage payments may move in line with market conditions, therefore your payments could go up or down.
  • What is the difference between interest only and repayment mortgage?
    With a repayment mortgage you pay off both the interest and capital with each monthly payment. This means at the end of the term your mortgage will be repaid. With an interest only mortgage you only pay the interest each month and the amount of capital owed will not reduce. This means you need to have suitable plans in place to pay off the mortgage at the end of the term.You could use sale of the mortgaged property, cash, stocks and shares, an endowment policy or pension.
  • Do you offer mortgages to First Time Buyers?
    Yes we do. To find out more about our mortgages for First Time Buyers or give one of our mortgage advisers a call or contact us through the “contact us” page.


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