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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, 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. 

Edward Payne

Another thing that sets the firm apart is its pricing structure. All initial consultations are free and even if you do apply for a mortgage we will not charge a fee until you have completed. Also, unlike many other firms in this sector we do not charge percentage fees – We will only ever charge a flat fee regardless of the loan size.

That fee will either be £395 if you take out a standard repayment mortgage or £795 if you take out a later life, retirement, interest only or equity release mortgage. If you don’t want to continue you can walk away at any time before completion with no charge from ourselves. 

Mortgage agreement

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

Equity release couple

Retirement Interest Only

Interest only retired couple

Term Interest Only

Equity release to buy boat

Equity Release

Buy to let mortgage flats

Buy to Let