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Mortgagesfullstop Mortgagesfullstop are an Independent Mortgage Brokers established in 1982 by Ryszard Kuzminski. Ryszard was born in Birmingham and is able to speak Polish.

Before becoming a Mortgage Broker he spent a number of years working in the accounts department for various companies from industrial to professional, finally spending just under 3 years as an assistant branch manager for a building society in Birmingham and during this time being promoted to a sub office manager before taking the biggest step of his life and becoming an Independent Mortgage Broker in 1982.As the financial services industry started to become regulated, there was a need for specific qualifications.

Ryszard took the opportunity to study for his Financial Planning Certificate whilst with St. James's Place. As regulation of Financial Services diversified into regulated which included investment & pensions advice and non-regulated which encompassed mortgages and general insurance advice, Ryszard chose to commit his time to mortgages & general insurance.

We take pride in offering a flexible first class service to our existing and new clients. This flexibility has come about from our understanding that not everyone can take time off from work to see either their bank or building society when looking for a mortgage especially as there are many lenders. Come the weekend we all want time to relax, maybe

Re-mortgages: this is where you already own your house and you are looking to find another lender with a cheaper interest rate and or borrow more money. Let to Buy mortgages: this is a mortgage to buy a house to live in when you intend to let the house you currently live in. Self-Build mortgages: this is a mortgage to help you build or convert a property

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