Business Details
44 Years
experience
Expert Mortgage Advice Birmingham
Established in 1982, we provide independent mortgage advice tailored to individual client needs. Our founder, Ryszard Kuzminski, brings decades of financial services experience, having transitioned from accountancy and building society management to specialize in mortgages. We offer flexible consultations at client-convenient times, including evenings and weekends, with services spanning residential, commercial, and specialist mortgages.Our process prioritizes transparency, guiding clients through market options while maintaining FCA regulation compliance. We provide ongoing support beyond application completion, ensuring accessibility seven days a week.
Services
Residential Mortgages
Buy to Let Mortgages
Commercial Loans
Bridging Loans
Self-Build Mortgages
Let to Buy Mortgages
Re-mortgages
Life Assurance
Income Protection
Details
- Year established: 1982
Highlights and features
- 40+ years of mortgage advisory experience since 1982
- FCA regulated for consumer protection and compliance
- Flexible appointment times including evenings and weekends
- Access to whole-of-market mortgage products
- Ongoing post-application support available 7 days a week
Associations and certifications
- Financial Conduct Authority
Services
Residential Mortgages
We arrange residential mortgages for first-time buyers and existing homeowners. Our FCA-regulated advisors assess individual circumstances to recommend suitable fixed or variable rate products from the whole market. Clients receive comprehensive mortgage illustrations and ongoing application support through our established lender network.
Buy to Let Mortgages
Specialist buy-to-let mortgage solutions for property investors. We access competitive landlord products with features like interest-only payments and rental income assessments. Our service includes portfolio mortgage structuring while maintaining compliance with FCA regulations for non-regulated buy-to-let products.
Commercial Loans
Commercial property financing for business premises and investment portfolios. We source loans for blocks of shops, industrial units, and mixed-use properties. Our expertise covers complex commercial lending criteria including business cash flow assessments and security valuations.
Bridging Loans
We facilitate bridging loans for urgent property purchases, particularly auction acquisitions and refurbishment projects. Our solutions provide temporary funding between property transactions, with access to specialist lenders offering flexible security arrangements and rapid decision-making.
Life Assurance
Complimentary life and critical illness assurance arrangements to protect mortgage commitments. We provide no-fee insurance recommendations tailored to individual risk profiles, including income replacement cover and mortgage protection policies that align with clients' financial obligations.
People
Ryszard Kuzminski
Founder & Mortgage Broker
Established Mortgagesfullstop in 1982 after gaining financial services experience at St. James's Place and a building society. Holds FCA direct authorisation since 2002 and completed Certificate in Mortgage Advice & Practice. Provides mortgage solutions in English and Polish.
Questions
What mortgage types do you offer?
We provide residential, buy-to-let, commercial, bridging, self-build, and let-to-buy mortgages, along with associated protection products.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (Reg No. 303369) for regulated mortgage and insurance activities.
How does the mortgage application process work?
We begin with a fact-find consultation, followed by product research and recommendation. The process includes decision-in-principle and full application stages with ongoing progress updates.
Do you charge fees for mortgage advice?
Initial consultations are free. Fees apply only for accepted mortgage recommendations, with full cost transparency provided before proceeding.
Can you help with insurance arrangements?
We offer complimentary life assurance, critical illness cover, income protection, and property insurance solutions at no additional fee.
