Independent Financial Advice

Building your financial future.

We offer comprehensive financial planning tailored to meet your unique needs and objectives. Our team are dedicated to guiding you through every stage of your financial journey, ensuring you achieve your financial goals with confidence and peace of mind.

Wealth Planning

Wealth planning is about more than just managing your money; it’s about creating a strategy that ensures long-term financial security and growth.

Retirement and Pensions

We offer expert advice to help you build a robust retirement plan that ensures financial stability in your later years.

Mortgages and Protection

Choosing the right mortgage can be a daunting task, but our advisers at 1st Financial Foundations are here to help.

Savings and Investment

We offer expert advice on savings and investments to help you achieve your financial goals.

Wills, Trusts and Inheritance Tax Planning

Effective estate planning ensures that your assets are distributed according to your wishes and can help minimise inheritance tax liabilities.

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1st Financial Foundations is a leading financial planning firm in Milton Keynes and London, dedicated to helping professionals, business owners, self-employed, contractors and families.

Who we are

We are a close-knit team of independent financial advisers, with a shared goal of helping our clients achieve financial confidence and freedom.

Our Story

Our history is rooted in the entrepreneurial beginnings of our founder, Yash. The business was established in 2001 to provide advice, education and support to help people make sound financial decisions for improving their lives.

Words of Gratitude

"I've used 1st Financial now for both Financial Management services and Mortgage Advisory services, and they have never been less than exceptional. Always incredibly prompt with communication, extremely knowledgeable, and their level of professionalism is second-to-none. They really do take great pride in helping their clients, and clearly have a passion for what they do. I feel very fortunate to have found them."

“Very knowledgeable - really good understanding of the market. Really worked hard to get us the best deal!!”

“We were really impressed with our Independant Mortgage Advisor. Jaysul is a very good listener and communicator. He kept us up to date, with clear and easy to read mortgage options and regular updates. We didn't feel rushed at all and took our time when waying up choices. Good balanced advice. Would certainly recommend. Thank you Jaysul. You are a credit to your profession.”

“Very helpful advisors. Fantastic service from start to finish. Kept me updated throughout the process. Would strongly recommend there services.”

“1st Financial has secured us a re-mortgage offer rapidly, in quite complicated circumstances. Thank you.”

Discover expert insights and the latest industry trends.

100% LTV: Market Gamechanger or Cause for Concern?

April Mortgages has shaken up the UK property market with the launch of a 100% loan-to-value (LTV) mortgage, allowing first-time buyers and movers to purchase a home with no deposit. This is one of the first true 100% LTV products since the 2008 financial crisis and is generating significant debate

The Rising Cost of Care: Navigating Fee Increases in the UK Care Home Sector

In recent years, the UK care home sector has experienced unprecedented financial pressures, with care home fees consistently outpacing general inflation. For families and individuals planning long-term care, these escalating costs represent a significant financial challenge that demands proactive and strategic planning. by Yash Tosar The Current Landscape of Care Home

Buy-to-Let Market Changes: What Landlords Need to Know About Mortgage Regulation Updates

Buy-to-Let Market Changes: What Landlords Need to Know About Mortgage Regulation Updates The buy-to-let landscape continues to evolve in 2025, presenting both challenges and opportunities for property investors across the UK. From regulatory changes to market dynamics, landlords need to stay informed about how these developments impact their mortgage options