1st.finance
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MORTGAGES · INVESTOR-FUNDED

Pre-approved in 120 seconds.

A property-mortgage marketplace where buyers and owners access financing funded by a global pool of investors — who earn the repayments. Lowest rates on the market. No branch queues.

Lowest interest on marketGlobal investor pool1–30 year terms
Family receiving keys to their new home from a real estate agent
Pre-approved in 120 seconds
Submit basic details and get a soft, non-binding pre-approval from our lending desk in under two minutes.
Lowest interest on market
Because our funding comes from a global investor pool competing on yield, our headline rates undercut retail banks.
Funded by real investors
Each loan is funded by verified investors on the 1st.finance platform who receive your repayments as income.
MORTGAGE CALCULATOR

See your monthly repayment before you talk to anyone.

Illustrative only. Final rate depends on jurisdiction, property, and credit review. Fixed rates lock the coupon for the full term; variable rates track our marketplace benchmark and can move.

Currency
Property price
$
Downpayment
15%$75,000
Loan duration
30 yrs
1 yr15 yrs30 yrs
Interest rate
Rate: 5.95%
0%3%5.95%
Move the slider to see payments at any rate up to 5.95%. The first 12 months stay interest-free at every setting.
First 12 months are interest-free, carrying-cost rates are 25% below usual market rates, and no HOA fees are charged. Illustrative only — final terms depend on jurisdiction, property and credit review.
First 12 months · interest-free
$1,995/ month
After year 1: $3,295 / month · 30-yr fixed at 5.95%
Principal (yr 1, no interest)$1,181
Property tax$450
Home insurance$231
Mortgage insurance$133
HOA fees$0
Total due at close$90,000
Down payment$75,000 (15%)
Est. closing cost$15,000 (3%)
Loan amount
$425,000
Total interest
$452,454
HOW IT WORKS

A four-step marketplace.

01
Apply
Send basic details. Our desk gives a soft pre-approval in under 120 seconds.
02
Underwrite
We verify income, property, and jurisdiction. You receive a firm term sheet.
03
Investors fund
Vetted investors on 1st.finance commit capital against your term sheet.
04
Close & repay
Notary/registration completes. You repay monthly — investors earn income.
WHY THE RATES ARE LOWER

Cut out the retail bank.

Traditional mortgage lenders build branches, hold deposits, and price for their own margin. Our marketplace routes your loan directly to investors who only care about a competitive risk-adjusted yield — so the rate you pay is set by capital supply, not by a high-street bank's cost base.

Mortgage specialist reviewing terms with a happy couple
Verified property
Every asset is title-checked and appraised before the deal opens to investors.
Real legal collateral
The mortgage is registered in your local jurisdiction — the same instrument a bank would use.
No opaque fees
One transparent fee schedule. No cross-selling insurance or forced products.
Fast decisioning
Automated pre-approval, human underwriting. Days, not weeks.
Happy homeowner holding keys on the doorstep of their new homeCouple reviewing mortgage rates on a laptop at the kitchen table
SPEAK TO A SPECIALIST

Talk to us before you shop rates anywhere else.

Zero-obligation conversation with a licensed mortgage specialist. Phone or Zoom, at a time that works for you.

Ready for your pre-approval? Two minutes.

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How it works