★★★★★ Rated 5.0 by 140+ first-time buyers

How to buy your first property without a 20% deposit

Watch the short video below to see how we get first-time buyers their keys, even the ones who were sure they could not afford it yet.

Buy with as little as a 5% deposit, not the 20% you have been told you need.

We search over 100 lenders to get you a yes, and the most you can borrow.

We handle everything: the property, the price, the paperwork and the solicitors.

You only pay when you get your keys. No keys, no fee.

Yes, I want to buy my first property

Takes under a minute. No cost, no pressure, no obligation.

140

five star reviews

£100m+

of mortgages arranged

£20k

saved on average per buyer

100

lenders searched for you

If you are a first-time buyer

You have probably been told one of these.

Most of them keep good buyers renting for years longer than they ever needed to.

You need a 20% deposit before you can even start. So you wait, and you rent, and prices keep climbing.

You sat in your own bank for two hours and got one answer, from one lender, that ruled out the homes you actually wanted.

You are self-employed with a profitable business and money saved, and they still told you no.

You have already been declined once, and quietly started to believe the dream is over.

Every month you wait, your rent pays off someone else's mortgage instead of your own.

Here is the truth nobody corrected.

One lender saying no does not mean every lender will. Every lender reads your income differently, with different rules and different flexibility. When you have access to over 100 of them, you are not relying on one opinion. You are searching the whole market for the one that says yes.

How we actually get you your keys

We do the whole thing, not just the mortgage.

Most brokers arrange the mortgage and then disappear. We take the whole thing off your plate, from your first call to the day you hold your keys.

We start with your real numbers

Your income, your deposit and your situation. Then we tell you the honest truth about what you could afford today, not in three years.

We find the home and negotiate the price

We know the market and we have no emotion in it, so we negotiate hard. On average we save our buyers around £20,000 on the biggest purchase of their lives.

We arrange the mortgage across the whole market

Over 100 lenders, not just one. We find the one that says yes, lends you the most, and gives you a rate that actually works for you.

We take the admin off your plate

We chase the solicitor every week, handle the paperwork and keep the lender happy. It never turns into the second job nobody warns you about.

We walk you all the way to your keys

And you only pay when you get there. That is the only point you ever pay us.

No keys, no fee

We only get paid when you get your home.

This works in your favour. We do not get paid until you get your keys. So we push hard the whole way. We chase the solicitors, we fight for a better price, and we never let your deal go quiet. No keys, no fee.

£1,995

when you buy a home

£995

for a remortgage

£0

product transfer

Payable only on completion. Nothing up front.

Yes, I want to buy my first property

Founder, FCA regulated

Meet the founder

Vishal, on a mission to get first-time buyers their keys.

Vishal moved to the UK from India when he was nine years old. He went on to study accounting and finance, and has worked in financial services since 2017. In October 2023 he founded Infinite Finance London, which he runs with his wife and a close knit team from their office in Wembley.

He built the business because he kept seeing the same thing. Good first-time buyers being told no, or handed a mortgage and then left to chase estate agents and solicitors on their own. So he did it differently. Everything done for you, and one simple promise: no keys, no fee. The moment a buyer realises what they could actually afford today is exactly why he does this.

£100m+

of mortgages arranged

140+

five star reviews

100+

lenders, whole of market

FCA

regulated and CeMAP qualified

Real Google reviews

140+ first-time buyers, 5 stars.

★★★★★

"Nisha listened to all my concerns and chased up everything for us. It made buying our first home very easy and stress free."

Saima Ahmedzai, first-time buyer

★★★★★

"Excellent service from start to finish. Clear advice at every turn. Huge thanks to Nisha and Vishal. I will be recommending them to all my friends and family."

Bhavika Solanki, home purchase

★★★★★

"Vishal made the whole process smooth, straightforward and stress free, handling everything efficiently from start to finish."

Manikant Parsotomo, first-time buyer

Questions first-time buyers always ask.

Do I really not need a 20% deposit?+

In most cases, no. Depending on your situation, there are lenders offering first-time buyer mortgages with as little as a 5% deposit. A lot of people have been saving for a number they never actually needed, and could have bought a year earlier.

I am self-employed. Can I still get a mortgage?+

Yes. Your own bank may say no because you do not fit their box, but every lender reads self-employed income differently. Some only want one year of accounts. Some are far more flexible than the high street. We work across more than 100 lenders, so we know who will say yes to someone like you.

I have already been declined. Is it over?+

Not even close. Most declines happen for a reason that can be fixed: a small issue on a credit file, income that was not presented properly, or simply the wrong lender. We look at why it happened, fix it, then match you with lenders who see your situation completely differently.

Why not just go to my own bank?+

Your bank can only offer one thing: their own products, on their own rules. One lender, one opinion. Different lenders will lend very different amounts for the exact same person. We search the whole market, so you see what is really available, not just one answer.

What does no keys, no fee actually mean?+

You pay us nothing unless you actually complete on your home. No keys, no fee. There is no catch. We built it that way on purpose, because when our payday depends on you completing, we work harder to get you there.

How much do you charge, and when?+

£1,995 when you buy a home, £995 for a remortgage, and nothing at all for a product transfer. It is only ever payable on completion. Nothing is due up front.

Booking your call

Three steps, under a minute.

Step 1

Fill in the short form

It just tells us a bit about you and where you are at. It takes less than a minute.

Step 2

Go straight to the calendar

As soon as you submit, you are taken to Vishal's calendar.

Step 3

Book your call

Pick a time that suits you and book your free discovery call right there.

Find out what you could actually afford.

If you have been waiting, or you have been told no, or you just want to know where you really stand, let us look at your real numbers and tell you the truth. Then let us get you your keys.

Yes, I want to buy my first property

No cost, no pressure, no obligation.