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

1st Stop helps home purchasers at requisitioning a home loan while keeping in mind the end goal to get you the best conceivable interest rate.

We have history and experience empowering us to quick track negotiations for our clients. Our enthusiasm and determination drives the application and gets your loan approved quickly.

We're a trusted lender with a high-approval rate

We pride ourselves on the way that 1st Stop rates among the best quality administration suppliers in the home loan industry. With our essential spotlight on home loan acquisitions and offering extra financial items and administrations, our model is determined by a system of holder worked establishments and extended through a system of establishment connected deals business locales.

1st Stop offers you;

  • free home loan application administrations
  • quick and simple home loan applications
  • useful tips and guidance
  • information on the documentation needed by the banks
  • guidance through the home purchasing methodology, staying up with the latest on the advancement of your application.

1st Stop Services

At 1st Stop, we are enthusiastic about our clients! We strive to give the best conceivable service through our far-reaching office system utilizing condition of-the-workmanship technology.

Purchasing your home is imperative speculation, and we accept your home loan experience ought to be extraordinarily basic!

We break the mould

1st Stop have an entrepreneurial methodology to working together – we may not be the first to open in the business, however we like to lead the way; breaking the mould set around our antecedents to split far from the business standards and hike our own particular trail, taking home loan start to another level.

We can help you choose the best option

Our accomplished consultants will manage you through the maze of home loan varieties accessible to you, taking care to clarify in plain dialect so you can settle on an educated choice about your decision of home loan item and supplier. We can aid you before you sign any offer to buy, permitting you to be in control of your value range, truth be told, we recommend you do simply that!

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

If you currently have a home loan and are looking to get a homeowners loan, 1st Stop can help.

We offer homeowners or people who currently have a home loan and subsequent equity in their homes, loans of between £1,500 and £50,000. You can also select a loan term of between 24 and 120 months so that your monthly repayments are affordable and, of course, manageable. Whether you're looking to redecorate your home, upgrade your kitchen, consolidate your debts or buy a car, a home loan from 1st Stop can help you do it.

Top Customer Service with 1st Stop

We consider service important and that is the reason our 1st Stop home loan consultants will attend to every part of the adventure with you from the earliest starting point, right to the end. With in excess of 10 years encountered our group has a notoriety of being the one stop shop regarding purchasing a home.

We help you acquire finance quickly and easily

The more competitive the business becomes, the more the consumer advantages from higher service levels… and the consumer is our essential centring. Getting a bond can be a scaring procedure. At 1st Stop, we know this – which is the reason we'll help you through it orderly. A complete home loan application transform that incorporates collating all the data needed by the banks, doing the vital credit checks, figuring your greatest loan, and encouraging the entire loan process.

We attend to your unique lending needs

Your needs are diverse to your neighbour's. You may need access to your trusts, you may not! You may need to pay it off right on time, you may need to remodel. Whatever your circumstances, we need to verify you have the home loan that best suits YOU, the single person!

Features of 1st Stop’s Home Loans

  • Borrow between £1,500 and £50,000
  • Select a loan term of between 24 and 120 months
  • 37.5% Representative (Variable) APR
  • Flexible loan options to suit all needs
  • Repay early or make additional payments

Re-mortgage your home with a Home Loan from 1st Stop

If you currently have a mortgage but need to take out a short term personal loan, you can take out a home loan with 1st Stop and use the remainder of your loan in place of a personal loan. If you're looking to consolidate your debts then a home loan from 1st Stop can provide you with sufficient money to cover almost all forms of debt. Our loans are secured against your home so you should always make sure that you can afford the loan and make repayments on time or you may risk losing your home.

Requirements at 1st Stop

In order to qualify for a home loan you need to either be a homeowner or have a mortgage, be 21 or older, a resident of the UK and not have any CCJ’s or an IVA. Armed with your employer’s details, payslips for the past 3 months, your 3-year address history and your monthly expenses you can begin and complete our home loans application online. The entire home loan application process can be completed online in a matter of minutes. 1st Stop also has a panel of alternative lenders that may be able to help you if we can’t.

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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 the UK; FCA number 723751

Customer Reviews & Testimonials

August 2019

If you ever have a question regarding your home loan you are able to call them and they will always be there to help you through.

Tom L
— Surrey —

July 2019

They have an amazing service where they offer to quote you first and then you can see if you can afford the repayments and if not then you can always as for a quote with a lesser amount.

Joan C
— Essex —

April 2019

They are an awesome company with great service and they helped me to get the perfect loan for our first home.

John L
— Surrey —

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