Business Details
44 Years
experience
Your Trusted Mortgage Brokers in Birmingham
Established in 1982, Mortgagesfullstop provides independent mortgage advice tailored to individual client needs. Our approach prioritises flexibility, offering meetings at clients' homes, workplaces, or our Birmingham office outside standard working hours. With decades of experience, we specialise in navigating the entire mortgage market to secure competitive rates and suitable products. Our process begins with a comprehensive fact-finding consultation to understand clients' financial circumstances and objectives.We provide detailed explanations of mortgage options, including fixed and variable rate products, and submit applications to lenders on behalf of clients. Our service extends beyond mortgage completion, with ongoing support available seven days a week. As a Financial Conduct Authority-authorised firm, we maintain rigorous professional standards while offering transparent fee structures for our services.
Services
Residential Mortgages
Re-mortgages
Buy to Let Mortgages
Commercial Loans
Bridging Loans
Self-Build Mortgages
Life Assurance
Property Insurance
Details
- Year established: 1982
Highlights and features
- Flexible appointment times including evenings and weekends
- Access to the entire mortgage market through one advisor
- Transparent fee structure with no initial consultation charges
- Financial Conduct Authority-authorised and regulated status
- Ongoing support available seven days a week
Associations and certifications
- Financial Conduct Authority
Services
Residential Mortgages
Specialist advice for purchasing primary residences. We assess clients' financial circumstances to recommend suitable mortgage products with competitive rates. Our service includes market analysis, application submission, and ongoing support throughout the mortgage term. We work with lenders across the UK to find appropriate solutions for first-time buyers and existing homeowners.
Buy to Let Mortgages
Tailored financing solutions for property investors. We provide expert guidance on buy-to-let mortgage products, rental income assessments, and portfolio management strategies. Our service includes market comparisons, application assistance, and ongoing portfolio reviews. We help clients navigate tax implications and regulatory requirements associated with property investment.
Commercial Loans
Specialist financing for commercial property purchases. We offer advice on loans for business premises, investment properties, and development projects. Our service includes lender comparisons, application support, and cash flow analysis. We work with specialist lenders to secure competitive rates for clients purchasing shops, offices, and industrial units.
Life Assurance
Comprehensive life and critical illness cover recommendations. We assess clients' protection needs to recommend suitable policies that safeguard families and businesses. Our service includes policy comparisons, application assistance, and regular reviews. We work with leading insurers to provide competitive rates and comprehensive coverage options.
Bridging Loans
Flexible short-term financing solutions for property transactions. We specialise in bridging loans for auction purchases and refurbishment projects. Our service includes lender comparisons, application support, and exit strategy planning. We work with specialist lenders to secure rapid funding for time-sensitive property opportunities.
People
Ryszard Kuzminski
Owner & Mortgage Adviser
Founder of Mortgagesfullstop with over 40 years' experience in financial services. Qualified with the Certificate in Mortgage Advice & Practice, he specialises in mortgage strategy and client-focused solutions. Previously worked in accountancy and building society management before establishing his brokerage in 1982.
Questions
What mortgage services do you offer?
We provide residential mortgages, buy-to-let financing, commercial loans, re-mortgaging, bridging loans, and self-build mortgages. Our services also include insurance products like life assurance and property protection.
Are there any fees for your mortgage advice?
Initial consultations are free. We charge fees for mortgage applications that proceed to completion, with full cost transparency provided before any commitment.
How does the mortgage application process work?
We begin with a fact-finding meeting to understand your needs. After identifying suitable products, we submit applications to lenders and guide you through the process from valuation to completion.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under registration number 303369, ensuring compliance with financial services standards.
Can you help with insurance arrangements?
We provide life assurance, critical illness cover, property insurance, and landlord protections at no additional arrangement fee, with clear policy explanations and comparisons.
