Simple, Honest Mortgage & Protection Advice.

A message from Kasia.

I’ve worked in mortgages and protection for over 18 years, and I started Key Steps Financial to do things differently.

I know how overwhelming this process can feel, especially if you’re a first-time buyer or self-employed. My job is to simplify it all. I take the time to listen, understand your situation, and give you advice that actually makes sense. No jargon. No pressure. Just honest guidance, tailored to you.

We help clients across the West Midlands and beyond. Whether you’re buying your first home, moving house, or looking to protect your family’s future, I’m here to help.

Your Home/Property may be repossessed if you do not keep up repayments on your mortgage.

How Can I Support You?

Mortgages

Whether you're buying your first home, moving to a new one, or looking to get a better deal on your current mortgage, I can help.

First-Time Buyer Mortgages – step-by-step guidance for getting on the property ladder.

Home Movers – making the transition to your next home as smooth as possible.

Remortgages – checking if you could save money or need to release equity.

Self-Employed Mortgages – advice tailored to business owners and freelancers.

Buy-to-Let – support for new and experienced landlords.

The Financial Conduct Authority does not regulate some forms of Buy-to-Lets.

Protection

Protecting your family, income, and home is just as important as securing a mortgage, and is often overlooked.

Life Insurance – to provide financial security for your loved ones.

Critical Illness Cover – support if you're diagnosed with a serious illness.

Income Protection – a safety net if you’re unable to work due to illness or injury.

Family Income Benefit – monthly payments to support your family if you pass away.

Accidental Cover – pays out if you’re seriously injured or die in an accident.

Buildings & Contents Insurance – Covers your home and belongings against damage, theft, or unexpected events.

Not sure what applies to you?
Let’s chat through your situation, no pressure, no stress.

Whatever your situation, I’m here to help.

Why Work With Me

With almost two decades of experience in financial services, I founded Key Steps Financial to guide people through life’s big financial decisions, one step at a time.

Whether you're buying your first home, protecting your family’s future, or simply figuring out where to start, I’m here to walk alongside you. I’ve built a service that removes complexity and replaces it with clarity, compassion, and confidence, making sure you feel secure every step of the way.

I speak both English and Polish, and I’m passionate about helping people from all walks of life overcome language and cultural barriers. Every recommendation is tailored to you because your path is unique, and your next step should feel right for you.

Outside of work, you’ll find me exploring new places, taking long countryside walks with my family and our two cocker spaniels, or cheering on my daughter from the sidelines of her football matches. I love connecting with people, sharing stories, and supporting others to move forward in a way that feels personal and empowering.

If you’re ready to take your next financial step with someone who’ll truly listen and guide you with care, let’s talk.

Mortgages made simpler, Support made personal.

At Key Steps Financial, supporting local is more than just a nice idea; it’s part of who I am.

I collaborate closely with trusted local professionals, from financial advisers to estate agents, accountants and solicitors. So if you ever need a recommendation, I’m happy to point you in the right direction.

I believe business is better when it’s built on relationships, and I love using my platform to spotlight others in the local community who are doing brilliant work.

Rooted in Community

Women Who Business Community

As the Kidderminster Brand Rep for Women Who, I’m proud to champion female-led businesses and create space for women to grow, connect and thrive.

Please be aware that by clicking on to the above links you are leaving Key Steps Financial website. Please note that Key Steps Financial nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.

Testimonials

  • First Time Buyers - August 2024

    As first time buyers with next to no knowledge about mortgages, Kasia has been a dream advisor.

    She explained everything to us in great detail and answered every question with ease, helping us understand the process beyond just the mortgage itself.

    Kasia is extremely reliable as well as very quick to respond to any help we have needed along the way.

    She has checked in with us to see where we have got up to and asked if there is anything else we need, such as insurance, and when you think about arranging this.

    Kasia has saved us a lot of stress, her support & kindness have been exactly what we needed for such a big change in our lives! We cannot recommend her highly enough, massive thank you, Kasia!

  • Remortgage - June 2025

    I am happy to recommend Kasia to anyone who values ​​reliability, professionalism and a very high standard of financial services.

    Kasia helped me with my remortgage options in the UK and I am very grateful that I can rely on her and ask questions.

    I highly recommend Kasia.

  • Remortgage - October 2024

    I recently had the pleasure of working with Kasia for my remortgage, and I couldn't be happier with the service I received.

    From start to finish, she was incredibly supportive and made sure I understood every step of the process. Kasia was always available to answer my questions and provided clear, professional advice that made the whole experience stress-free.

    Her attention to detail and dedication to getting the best possible outcome for me were truly impressive. I highly recommend Kasia to anyone looking for a reliable and knowledgeable mortgage adviser!

What You Can Expect

  • I pride myself on being approachable, down-to-earth, and genuinely interested in what’s right for you. No stern offices or corporate language here.

  • There’s no one-size-fits-all solution when it comes to mortgages or protection. I take the time to understand your circumstances and tailor my advice to suit you, whether you're self-employed, buying with a partner, or exploring your first-ever mortgage.

  • Life doesn’t run 9 to 5, and neither do I. I offer appointments around your schedule, including evenings and weekends where needed. I also support you throughout the process, not just at the application stage.

  • I’m proudly based in Kidderminster and love working with clients in the surrounding areas, but I also offer virtual appointments for people across the UK. So whether you’re around the corner or further afield, I’m here to help.

Let’s Take the First Step Together.

We offer Free initial consultations that can be face-to-face, video call or over the phone, as we will work around your schedule.