First Financial Consultants

Business Details

29 Years

experience

Trusted Mortgage Advisers in Stanmore

Established in 1997, First Financial Consultants has built a reputation as a trusted mortgage advisory firm dedicated to delivering unbiased, client-centric solutions. Our team of experienced advisers combines decades of industry expertise with a commitment to understanding each client's unique financial circumstances. We pride ourselves on maintaining transparency, professionalism, and integrity in all our dealings, ensuring clients receive tailored mortgage and protection strategies that align with their long-term goals.

Our regulatory compliance and FCA authorisation underscore our dedication to ethical standards, while our ongoing market research and lender relationships enable us to secure competitive rates. With a focus on lifelong client relationships, we provide continuous support through mortgage tracking services and proactive remortgage assistance, ensuring clients benefit from evolving market opportunities.

Services

Mortgage Advice Remortgage Services Equity Release Commercial Mortgages Buy-to-Let Mortgages Life Insurance Income Protection Bridging Finance Large Loan Solutions Financial Protection

Details

Year established: 1997

Highlights and features

We offer unbiased, whole-of-market mortgage advice tailored to individual needs
Our team has over 100 years of combined experience in mortgage solutions
We specialise in complex cases including contractors and self-employed clients
We provide ongoing mortgage tracking and remortgage assistance services
Our advisers hold industry-recognised qualifications including CeMAP and CeRER

Associations and certifications

Financial Conduct Authority

What people say

Incredibly helpful Efficient and professional Amazing job Best price Exceptional communication

Website

Update Listing

Services

Mortgage Advice

Our mortgage advisory service provides tailored solutions for first-time buyers, home movers, and investors. We research the entire UK market to secure competitive rates for residential purchases, remortgages, and self-build projects. With access to high street lenders and specialist providers, we ensure clients receive optimal financing structures aligned with their financial circumstances and long-term goals.

Commercial Mortgages

We specialise in commercial mortgage solutions for property investors and business owners. Our expertise covers financing for office spaces, retail units, and industrial properties. While commercial finance remains unregulated, we maintain transparency in all recommendations and work closely with clients to structure viable lending arrangements that support business growth and property development objectives.

Equity Release

Our equity release service helps homeowners access tax-free cash from their property wealth. We provide impartial advice on lifetime mortgages and home reversion plans, ensuring clients understand the long-term implications. With specialist advisers holding CeMAP qualifications, we match clients with suitable products that balance immediate financial needs with estate planning considerations.

Life Insurance

We offer comprehensive life insurance and critical illness cover solutions to protect families and businesses. Our protection advisers assess individual circumstances to recommend appropriate coverage levels, ensuring financial security for dependants. We source policies from leading insurers to provide competitive premiums with flexible terms that adapt to changing life circumstances.

Bridging Finance

Our bridging finance service provides rapid funding solutions for property renovations, chain breaks, and auction purchases. We connect clients with specialist lenders offering flexible terms for short-term capital needs. While unregulated, our advisers ensure clear explanations of interest rates and repayment structures, helping clients navigate temporary financial gaps with confidence.

People

Michael Caplan

Chairman

Co-founder with over 30 years' experience in financial services. Holds MAQ qualification and established First Financial's client-first ethos. Leads strategic direction while maintaining hands-on involvement in complex cases.

James Caplan

Managing Director

Co-founder and managing director with Cert PFS and CeRER qualifications. Oversees daily operations and maintains regulatory compliance. Specialises in high-value mortgage solutions for complex client profiles.

Sophie Hart

Mortgage Adviser

Certified mortgage and protection adviser with CeMAP qualification. Focuses on first-time buyer schemes and innovative financing solutions. Recognised for exceptional client communication and proactive case management.

Denzel Addo

Client Relationship Manager

Experienced relationship manager with expertise in buy-to-let portfolios. Holds CeMAP qualification and specialises in investor client support. Maintains ongoing client communication throughout the mortgage lifecycle.

Ross Harrison

Mortgage Adviser

Certified mortgage adviser with focus on commercial property financing. Provides tailored solutions for business owners and property investors. Known for technical expertise in complex lending scenarios and regulatory compliance.

Questions

Are you regulated by the Financial Conduct Authority?

Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under registration number 301328.

Do you offer whole-of-market mortgage advice?

Yes, as independent advisers we provide unbiased, whole-of-market mortgage advice tailored to your specific needs.

How do you handle complex mortgage cases?

We specialise in complex cases including contractors, locum workers, and entrepreneurs with over 100 years combined experience in finding solutions.

What mortgage tracking services do you provide?

We offer ongoing mortgage tracking to monitor your deal and ensure you maintain competitive rates throughout your loan term.

Can you help with commercial property financing?

Yes, we provide commercial mortgage solutions though note these are typically unregulated products requiring specialist advice.

How do you support clients after mortgage completion?

Our client relationship managers provide ongoing support, including proactive remortgage assistance six months before rate expiration.

Reviews (5)

Write a Review

Steve Mellor

Jun 17, 2022 Report

James, from the moment we spoke I was sure I was talking to the best person for our, rather unique, case. Your knowledge, creativity and speed at problem solving was remarkable. Thank you also for building a fantastic team! Thomas, thank you so very much for your creativity in finding a solution and getting it over the line. Whenever we have contacted you nothing has ever been too much and your speed and tenacity was just what we needed to get the mortgage over the line.

Thank you also for speaking to the lender and getting them to release funds so quickly to ensure completion happened on time. Thank you also for introducing to A-Plan, their customer service mirrors yours and they have also been great. Thanks again gents, I will of course be recommending you to anyone who ever mentions mortgages and I look forward to working with you in the future future.

Stuart Kershaw

Apr 25, 2022 Report

Extremely efficient and very good communication skills. Important attributes when dealing with what are often complicated financial arrangements.

Katarina Brazell

Jun 05, 2021 Report

Stephen Bourke and Simon Ryder did our mortgage on our purchase. They were great to meet the deadlines in place, and gave clear and concise advice as well as getting us a great deal on our mortgage. First Financial come highly recommended.

Hussein Almosawi

Nov 18, 2020 Report

Gavin has been absolutely superb in obtaining our mortgage which had complex issues. Very glad I went with them and will certainly be using them again in the future.

Paul Sherman

Mar 22, 2020 Report

Mark Hansard and Natasha Caranese were brilliant in getting me what turned out to be quite a tricky mortgage to get as I am self emplyed. I have used FF for all of my house moves and major funding for the last 10 years and I can not recommend them highly enough. They are superb.