First Financial Intermediaries ltd

At First Financial, we’ve spent decades building partnerships and finding creative solutions to complex challenges.  For those considering borrowing of £1m and above, we have an extensive book of contacts from high street lender underwriters through to private banks and beyond, to ensure we can structure the lending in the most cost effective way possible, providing solutions where others can’t.

If there’s a way, we’ll make it happen.

Why First Financial?

We are proudly independent, unbiased mortgage advisers, specialising in complex mortages and large loans, with a collective experience of over 100 years.

Some of the reasons you should come to us for your large loan needs:

  • Tailored service built around your specific situations including complex income arrangments
  • Having the right contacts at private banks, specialist lenders as well as high street lenders
  • Specialist brokers in large loans for residential, investment properties, bridging finance, buy to let, HMO, Portfolio landlord refinance, commercial
  • Direct access to underwriters with flexible underwriting

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Our Legacy

First Financial Intermediaries was founded in 1997 by father-son team Michael and James Caplan. Having both worked in the world of financial advice, they realised that nobody was doing business the way that they wanted to do it – principled, with the client at the centre of everything. The solution? First Financial.

From our first rickety office in Highgate with uneven floorboards and a booby-trapped filing cabinet to our current slick, bustling office in Stanmore, that core ethos of doing the right thing by our clients has never, ever wavered.

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"I’ve worked with Simon Ryder and the team at First Financial for over 10 years. During this time the team have arranged in excess of £60M worth of mortgage loans for me, from my own residential mortgage, which was particularly complex due to my non-standard income, to several buy to let and commercial loans.
Their expertise in delivering the impossible and to think outside of box is unrivalled and has proved invaluable to me over this time. I thoroughly recommend First Financial”. – Mr SP, London.

Case study by Director, Simon Ryder

Our clients approached us as their existing mortgage was coming to the end of term. They owed their existing lender £2.5M against a property valued in excess of £5M.

The clients were only able to demonstrate an income of £250,000 they did however have a portfolio of investments valued over £2,000,000 held with a private bank.

Using a small private bank we were able to monetise the value of the investment portfolio using the clients High Net Worth status, this enabled the new bank to lend the required sum on an interest only basis. There was no requirement for an of the investments to be moved to the new bank, which meant the clients could continue their existing investment relationship.

Chris Glazier
James Caplan Cert PFS, CeRER
Manging Director
Simon Ryder CeMAP, CeRER
[email protected] [email protected]


Client Referrals
To refer a client, please contact us via email at [email protected] and include a brief case summary and contact details. Alternatively, please contact James Caplan or Simon Ryder directly on 0208 416 0111.