First-Time Buyers

Buying Your First Home Doesn't Have to Be Complicated

Get expert mortgage advice tailored to first-time buyers. We’ll explain your options, guide you through every step, and help you secure the right mortgage with confidence.

  • No obligation
  • FCA Regulated Advice
  • Personal mortgage guidance
Get in Touch with Us
Book your free consultation today and take the first step towards owning your dream home.
  • Your information is secure and will never be shared.
1688244431293

FCA Regulated

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Award-Winning Mortgage Advice

Successful Client Consultations

9,000+ Successful Client Consultations

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Trusted by Home Buyers

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Independent Mortgage Advice

Your First Home Starts with the Right Mortgage Advice

Buying your first home is exciting, but understanding mortgages, deposits and lender requirements can feel overwhelming. Our advisers simplify the process and support you from your first enquiry through to collecting your keys.

Expert Mortgage Advice

Access mortgage solutions tailored specifically to your circumstances.

Access Multiple Lenders

We compare a wide range of lenders to help you find competitive mortgage options.

Guidance at Every Step

From affordability checks to mortgage approval, we’re with you throughout the process.

Clear & Honest Advice

No confusing jargon—just straightforward guidance you can trust.
How it works

Your Journey to Home Ownership

Book Your Free Consultation

Speak with one of our experienced mortgage advisers.

Review Your Options

We'll assess your financial situation and recommend suitable mortgage products.

Secure Your Mortgage

We manage the application process and liaise with lenders on your behalf.

Move Into Your New Home

Receive your mortgage offer and take the final steps towards owning your first property.

Why Choose Riches Financial
We Make Buying Your First Home Simpler
What We Help With:
  • Independent mortgage advice
  • Friendly, experienced advisers
  • Access to a wide range of lenders
  • Support from application to completion
  • Clear communication throughout
Speak to a Mortgage Expert

What Our Clients Say

I worked with Adam Riches while buying my first home, and the experience was much smoother than I expected. As someone new to the process, I had a lot of questions, but he explained each step ...
Fatma shaqiri
Fatma shaqiriCustomer
We had a great experience working with Adam and Abbie on our mortgage. We were first time buyers and their patience and knowledge was invaluable! They were very quick to come back to any questions...
Conor Ashby
Conor AshbyCustomer
He was efficient, kept us updated throughout the process, and promptly replied to all our emails. As first-time buyers, we felt lost at times, but Adam's professionalism and friendly demeanour...
Karolina F
Karolina FLocal Guide
As a first-time buyer, I couldn’t have asked for better support than Adam provided. From the very start and right through to the end, he went over and above to negotiate and secure the best mortgage...
Emily Hill
Emily HillCustomer
I have used Adam and he is first class , very professional and speaks in real terms, no waffle I would recommend Adam to anyone looking to remortgage, first time buyers or simply to have a conversation...
Ray Murphy
Ray MurphyLocal Guide
Read More Reviews

Meet Our Team

With over 15 years of experience in financial services, Adam founded Riches Financial to provide the kind of mortgage advice he wished he’d received when buying his first home. His focus is on honest communication, tailored recommendations, and building lasting client relationships.

Working with a broad network of lenders, Adam helps clients secure mortgage and protection solutions that suit their individual circumstances while making the process as straightforward as possible.  Specialises In:

  • Residential Mortgages
  • Remortgages
  • Buy-to-Let
  • Protection Advice
Adam Riches
Founder & Mortgage Adviser
Abbie Whelan
Mortgage Adviser

Abbie supports clients throughout every stage of the mortgage process, from the initial enquiry through to completion. Now a fully qualified Mortgage Adviser, she combines strong organisation with clear communication to make the journey as smooth and stress-free as possible.

Passionate about helping clients feel informed and confident, Abbie is particularly committed to providing straightforward advice for first-time buyers and home movers.  Specialises In:

  • First-Time Buyers
  • Home Movers
  • Mortgage Applications
  • Client Support

Katie is dedicated to helping clients navigate the mortgage process with confidence, providing clear advice and personalised support tailored to each individual’s circumstances. She believes that building strong relationships and understanding every client’s goals are key to delivering the best possible outcomes.

Working closely with the Riches Financial team, Katie is committed to making every mortgage journey straightforward, transparent, and as stress-free as possible.

  • Residential Mortgages
  • First-Time Buyers
  • Home Movers
  • Personal Mortgage Advice
Katie Riches
Mortgage Advisor
Most mortgage lenders require a minimum deposit of 5% of the property’s purchase price, although a larger deposit can give you access to more competitive mortgage rates. We’ll help you understand your options and determine what’s right for your circumstances.
Yes. Many lenders offer mortgage products for buyers with a 5% or 10% deposit. Your eligibility will depend on factors such as your income, credit history, and overall financial situation. We’ll help you find lenders that suit your needs.
The amount you can borrow depends on your income, monthly commitments, credit profile, and the lender’s affordability assessment. During your free consultation, we’ll calculate your borrowing potential and recommend suitable mortgage options.
The mortgage process typically takes 4 to 8 weeks, although this can vary depending on the lender, your circumstances, and how quickly documents are provided. We’ll keep you informed throughout the process and work to make everything as smooth as possible.
While it’s possible to apply directly with a lender, a mortgage adviser can save you time, explain your options clearly, and help you access mortgage products from a wide range of lenders. We’ll guide you through every stage of your home-buying journey.
Yes. Your initial mortgage consultation is completely free and without obligation. It’s an opportunity to discuss your goals, understand your borrowing options, and receive expert advice before making any decisions.
FAQs

Ready to Buy Your First Home?

Book your free consultation today and take the first step towards owning your dream home.
  • Your information is secure and will never be shared.

Let's Make Your First Home a Reality

Speak to an experienced mortgage adviser and receive personalised guidance with no obligation.
Book a Free Consultation