Rating based on 80 reviews

1st Stop

  • Home loans up to £50,000
  • Low-interest starting from 37.5%
  • Repayment up to 10 years

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1st Stop homepage
Author 1st Stop. Screenshot of 1st Stop website.
[Accessed March 22, 2020]

About 1st Stop

Offering the best home loans in the business.

Often banks and traditional lenders set borrowing criteria that are not able to be met by ordinary Britons. With the increasing number of people being left behind when it comes to mortgages, 1st Stop was founded to give their customers a better and more sustainable way of borrowing. This created growth potential for all the people left behind.

Home loan accessibility for everyone

1st Stop understands that life sometimes throws things your way that is out of your control. Often these things can affect your ability to access a home loan in the UK from mainstream banks and lenders.

For these very reasons, 1st Stop was founded to assist hard-working Britons with not only an option they deserve to borrow but also the opportunity to create a healthy, sustainable future for themselves and their families. Supporting people's potential is their motto.  

The home loan you deserve is there for you 

Since starting their mission in 2009, giving ordinary Britons the opportunity to become homeowners has taken them to great heights. In 2012 they went even further and introduced Car Finance options to their growing customer base.

1st Stop Services

When life throws you a curveball and borrowing from mainstream banks becomes a problem.

Your trusted friends at 1st Stop will be there to guide you and help you make your dream a reality. With their belief in the potential of people, you can be sure that the home loan that suits you, is within reach.

With 1st Stop you can borrow between £5,000 - £100,000 with their secured home loan, enabling you to make your dream a reality. If you are a homeowner you can apply today for an agreement in principle and get an instant answer.

A completely flexible home loan with 1st Stop

Considering your circumstances like your income and expenses, you can apply for a homeowner's loan from 1st Stop. This loan can be between £5,000 and £100,000 and is secured on your property.

This loan is often referred to as a second charge mortgage or a mortgage loan and with repayment terms of 24 to 240 months, that will give you complete flexibility and control of your loan.

With their helpful online mortgage calculator, you can see exactly what you are opting for and decide whether it suits you before you even apply for the loan.

1st Stop – Home loan

  • Loan Type Home loans
  • Interest Rate from 37.5%
  • Loan Amount up to £50,000
  • Repayment 24 months to 10 years

Benefits of 1st Stop

  • Simple home loan applications
  • Useful tips and guidance
  • Flexible loan options
  • Repay early

Get a quick and affordable home loan from 1st Stop

First, you will make use of their online mortgage calculator to find out exactly what your borrowing power will be.

You can calculate your repayment amount and terms so that you have a clear idea of what you can get.

Complete the online application form by filling in details such as:

  • Fill in your full names.
  • Complete your contact details.
  • Your email address.

You will then be asked to use the sliding scale to indicate the amount you want to borrow and the period over which you choose to repay. The purpose of the loan will also be asked.

Keep on hand the following information:

  • Your current address details.
  • Your employment status and relevant details.
  • Any information regarding your salary.

The following section of the online application for your home loan will be all and any information regarding your employment. Please answer as honestly and truthfully as you can to get the most accurate answer.

Your home loan is within reach

Simply hit the apply button and watch the magic happen. As soon as your loan in principle has been approved, a qualified advisor will contact you to go through your application with you. After that, you will receive your application in the mail alongside a quote for you to check and sign.

When all is said and done, signed and sealed, they have received your signed documents and any other information requested, you will be issued with a binding mortgage. A final call will be made to double-check everything is in order and you are happy. 

Get the home loan you deserve

Being held back by circumstances is more often a reality with more and more people. Knowing that you have the option of being able to get the financial assistance you need to prosper makes life easier. 1st Stop has proven to be there for everyone, and they can be there for you too.

Getting a home loan from 1st Stop is beneficial to you: 

  • They believe in your potential.
  • They help improve your credit rating.
  • They have an open and honest policy when it comes to home loans.
  • With the offer of a no-obligation home loan
  • You get an answer regarding your home loan in minutes.
  • They have useful tips and guidance.
  • They offer flexible home loan
  • They have simple and easy home loan

Their presence in the mortgage industry

In 2014 they widened their net even further by offering their homeowners unsecured personal loans. They ended 2014 with a staggering £25m in total being borrowed by their customers. In 2016, with investment from Pollen Street Capital, their growth increased significantly.

In 2017 they reached a whopping £150m of lending to their customers. In 2020 they rebranded the company to Oplo and reached a new height with more than £250m borrowed to their ever-increasing customer base.

Because sometimes life gets rough

Whether you need a well-deserved holiday, need to consolidate your current debt or you have been wanting to renovate the house. 1st Stop gives you an unsecured personal loan of between £2,000 and £15,000

man holding thumbs up

1st Stop is a trusted & reliable provider of home loans

In our review, 1st Stop adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

1st Stop is a registered credit provider in UK: FSA 723751

Customer Reviews & Testimonials

August 2021

We would just like to thank the helpful and friendly team at 1st Stop for making our dream a reality. We were able, with their help to finally own our own home.

Baker L
— Norwich —

July 2021

We had tried to get a loan for so long that we had started to think that we would never find the help we needed. A friend told us about 1st Stop and we had the loan we wanted in no time.

Young B
— Leeds —

April 2021

We struggled for so long to get a home loan. We had almost given up when we came across 1st Stop. Finally, we can do what we have wanted to for so long.

Nelson W
— Bath —

1st Stop Contact

Physical Address

  • 1st Stop Group, 10 Whitehills Business Park Blackpool Lancashire FY4 5LW United Kingdom
  • Get Directions

Opening Hours

  • Monday 08:00 – 19:00
  • Tuesday 08:00 – 19:00
  • Wednesday 08:00 – 19:00
  • Thursday 08:00 – 19:00
  • Friday 09:30 – 17:30
  • Saturday – Closed
  • Sunday – Closed