About Us
Family First Finance was established by Edward Payne in 2018 having identified the growing need for advice in the later life finance sector and the growth of available products.
With over 25 years of experience in financial services, much of it running key relationships for well-known brands such as Halifax, Post Office Mortgages, Yorkshire Building Society and Friends Life he has used his broad experience to build an advisory firm that offers holistic mortgage advice to customers aged 50 plus.
Since then the business has grown and expanded and has received numerous awards in the later life finance sector; most recently mortgage introducer magazines award for later life broker of the year 2025.
Additional advisers have joined the company but Edward still takes a hands-on approach in speaking to clients whilst running the business.
Family First Finance arranges and advises on standard mortgages, retirement interest only, term interest only and equity release. Unlike many firms we will never make assumptions about our clients and we will never push you towards a product you don’t want if other products are available.
Meet the Team
Edward Payne
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Director
I have over thirty years of experience in senior roles with a range of well known financial services brands including Halifax, Yorkshire Building Society, Bank of Ireland and Friends Life.
I set up Clifton Mortgages because I felt that financial services was too siloed and too transactional and customers deserved better.
I believe in providing a tailored, professional service to all of my customers. I do this by taking a thorough and holistic view, of not only your present needs but also of your long term, broader requirements and circumstances.
I will use all of my experience and contacts to give you the best possible advice and the best possible service, both now and in the years to come.
As well as being a fully qualified mortgage and equity release adviser, I am a also a law graduate and will ensure that my broad skills and experience are used to consider all aspects of your personal circumstances and the market when advising you.
Sarah Payne
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Sarah has lived in Bristol her whole life.
She is responsible for all financial management within the firm and also helps with customer administration.
I’m here and happy to help clients with your mortgage and insurance applications whilst also liaising with our suppliers.
Dean Smith
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Adviser
I am a happily married family man, who has over 40 years’ experience in Financial Services. I pride myself on exceptional customer service, and mortgage advice, and have been helping mortgage and equity release clients to achieve their dreams and goals for over 10 years.
I will use all of my knowledge and experience to provide you with the best possible advice, and an exceptional customer service, where you always come first, both now and in the years to come.
Jonny Quigley
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Adviser
Originally from Leigh in Greater Manchester, I have lived in the Bristol and Bath area for over 20 years.
I have a wealth of experience in mortgages and protection with around 15 years of advice experience.
I’m married with two children and love all things rugby related and previously played Rugby League for Salford.
5 Key Promises
Book an appointment today with one of our professional advisers. There’s nothing to pay in advance and no obligation.
We can also arrange general insurance, protection products and refer you to specialist chartered tax or retirement planners
We can also refer clients to specialist second charge and bridging loan advisers if this would be more suitable for you.
Standard Mortgages
Retirement Interest Only
Term Interest Only
Equity Release
Buy to Let