Our Company

Welcome to Confidence in Finance Ltd; where your financial peace of mind is our top priority. 

Your mortgage is one of the biggest financial decisions you’ll make. At Confidence in Finance Ltd, we’re here to make that decision feel clearer, simpler, and more manageable. 

 

Founded by Lukasz Zurek, an experienced mortgage advisor with over 14 years in mortgage and financial services, we provide friendly, independent mortgage advice tailored to you. With unrestricted access to the whole market, we can explore a wide range of lenders and mortgage products to find an option that best suits your circumstances.

 

Whether you’re buying your first home, remortgaging, moving house, or investing in property, you’ll have personal guidance from your first conversation through to completion.

mortgage

Mortgages

Explore tailored mortgage solutions with expert guidance for your financial peace of mind.

insurance

Protection

Safeguard your home and future with our comprehensive mortgage protection solutions today.

bridge

Bridging Loan

Access fast, flexible funding with our expert bridging loan solutions for you.

business-and-finance

Specialist Finance

Receive personalised solutions with our expert specialist finance advice tailored for you.

mortgage

Mortgages

Mortgages
Explore tailored mortgage solutions with expert guidance for your financial peace of mind.
Learn more
insurance

Protection

Protection
Safeguard your home and future with our comprehensive mortgage protection solutions today.
Learn more
bridge

Bridging Loan

Bridging Loans
Access fast, flexible funding with our expert bridging loan solutions for you.
Learn more
business-and-finance

Specialist Finance

Specialist Finance
Receive personalised solutions with our expert specialist finance advice tailored for you.
Learn more

Experience You Can Trust

Finding the best mortgage advisor isn’t simply about securing a competitive mortgage. It’s about having someone who listens, understands your circumstances, and explains your options without unnecessary jargon.

With 14+ years of experience, numerous positive Google reviews, and Top Rated Adviser recognition on VouchedFor, at Confidence in Finance Ltd, we have built a reputation around personal service and trusted advice.

As an independent mortgage broker with whole-of-market access, we’re not restricted to one bank or lender. Instead, we take the time to understand you before searching for a mortgage that fits.

Mortgage Advisor for First Time Buyers

Buying your first home should be exciting. As a trusted mortgage advisor for first time buyers, we’ll help you understand how much you could borrow, prepare for an Agreement in Principle, and navigate the mortgage process with confidence.

Mortgage Advisor for Remortgaging

Whether your current deal is ending, you want to explore a better rate, or you’re considering releasing equity, our mortgage advisor for remortgaging service can help you compare your options and understand what could work best for you.

Mortgage Advisor for Buy To Let

Thinking about investing in property or expanding an existing portfolio? Our mortgage advisor for buy to let services can provide tailored advice based on your plans, lender criteria, and individual circumstances.

We can also advise on self-employed and complex mortgages, protection, bridging loans, commercial mortgages, and development finance.

How Does It Work?

Our process follows a few clear steps: 

1. Initial Consultation and Fact-Find

Our team will start by getting to know you. We’ll discuss your goals, home-buying plans, and financial position, including your income, outgoings, debts, and deposit. We’ll also explain our service terms and any applicable advice fees.

2. Document Gathering & Verification 

You’ll provide documents such as proof of ID, bank statements, and payslips, or accounts. We’ll check these in advance to make sure they meet lender requirements.

3. Market Research & Sourcing 

This is where our whole-of-market access matters. We research available options and compare interest rates, product fees, and lender criteria to identify a suitable fit for your circumstances.

4. Recommendation & Agreement in Principle (AIP)

We’ll present our recommended mortgage and explain why it meets your needs. Where appropriate, we’ll also arrange an Agreement in Principle, helping demonstrate to estate agents that you’re ready to proceed.

5. Full Application and Underwriting

Found your property? We’ll complete and submit your mortgage application, then support you while the lender carries out its underwriting checks and property valuation.

6. Mortgage Offer & Completion

Once your formal mortgage offer arrives, we’ll continue supporting you through the final stages. We can also provide professional protection advice to help safeguard your finances, family, and lifestyle against unforeseen circumstances, while helping to coordinate with your solicitor through to exchange and completion.

What People Say About Us: Real Stories. Real Experiences. Real Peace of Mind.

For us, good mortgage advice is about more than getting an application over the line. It’s about making people feel informed and supported throughout the journey.

 

With many positive Google reviews and Top Rated Adviser recognition on VouchedFor, you don’t simply have to take our word for it. See what clients say about working with Confidence in Finance Ltd.

Posted on Google Google
Tara Goldsmith profile picture
Tara Goldsmith
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We couldn’t recommend Lukasz highly enough! From start to finish, he was incredibly helpful, professional and reassuring throughout the whole mortgage process. He took the time to explain everything clearly, answered all of our questions and was always quick to respond whenever we needed help or advice. Buying our first home felt quite overwhelming at times, but Lukasz made the mortgage side of things feel so much easier and gave us complete confidence that we were in good hands. He went above and beyond to find the right option for us and kept us updated throughout the process. We’re so grateful for all of his help and support and wouldn’t hesitate to recommend Lukasz to anyone looking for a mortgage advisor. Thank you for everything!
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Tomasz Marszałek profile picture
Tomasz Marszałek
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Lukasz from Confidence In Finance was recommended to me by a friend of mine who used his services in the past. As a first time buyer, non-UK national with a short period of residency in UK, I thought I would not be able to get a mortgage. Lukasz managed to find me a suitable lender and guided me through the whole process. He was quick, professional and his guidance was invaluable. I would highly recommend Lukasz to anyone whose situation may be less straightforward.Top man!
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Tomek Krawczyk profile picture
Tomek Krawczyk
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Quick and efficient, pleasure to do business with.
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emilia karmilowicz profile picture
emilia karmilowicz
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I highly recommend Confidence in Finance to anyone looking for professional and reliable mortgage advice. The whole process was handled with great care, clear communication, and outstanding attention to detail. Every question was answered promptly, and I always felt supported from start to finish. Their knowledge, professionalism, and dedication made the entire experience smooth and stress-free. Thank you for the excellent service!
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Lucimara Oliva profile picture
Lucimara Oliva
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I had a really positive experience with Lukasz. He was incredibly kind, patient, and generous with his time. He carefully listened to my situation, explained everything clearly, and guided me through the next steps without any pressure. What I appreciated the most was that he didn't charge anything for the initial consultation and genuinely wanted to help me understand what I need to do to prepare for buying my first home. I left our conversation feeling much more confident and with a clear plan. I would highly recommend Lukasz to anyone looking for a knowledgeable, honest, and supportive mortgage broker.
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Kayleigh Smythe profile picture
Kayleigh Smythe
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
There simply aren’t enough words to thank Lukasz for everything he has done for me throughout my home-buying journey. From our very first conversation to the day I got the keys, he went above and beyond in every possible way. Buying a home can be overwhelming, but Lukasz made the whole process feel so much less stressful. He was always available to answer my questions, explained everything clearly, kept me informed every step of the way, and genuinely cared about helping me achieve my goal of becoming a homeowner. His professionalism, knowledge, patience, and dedication are second to none. Nothing was ever too much trouble, and I always felt reassured knowing he was looking after everything. His support made such a difference, and I honestly couldn’t have done it without him. Thanks to Lukasz, I’m now a proud homeowner, and I’ll always be grateful for everything he did to make that happen. If you’re looking for a mortgage advisor who truly cares, goes the extra mile, and provides an exceptional service, I couldn’t recommend Lukasz more highly. Five stars don’t do him justice! Thank you again, Lukasz—you’ve been absolutely amazing!
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Justyna Przewoźna profile picture
Justyna Przewoźna
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I had an excellent experience with Confidence in Finance! Their team is incredibly knowledgeable, professional, and dedicated to helping clients achieve their financial goals. From the very first consultation, I felt supported and confident in their advice. I highly recommend their services to anyone looking for trustworthy and effective financial guidance!
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Joanna Graff profile picture
Joanna Graff
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I highly recommend Lukasz services. He supported me and my partner through the entire home-buying process from start to finish — helped me secure a mortgage, recommended solicitors, and handled every detail with exceptional care. He was always available, especially when the solicitors fell short, and guided us through every challenge, regardless the time of the day. Even after the purchase, he continued to assist with several complex situations. Truly a comprehensive, dependable, and outstanding service.
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Piotrek Pol profile picture
Piotrek Pol
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I definitely recommend Łukasz. He has given me a thorough professional explanation on how everything works in regards of buying and selling of the property. He guided me in to right direction and advised me what I should start with. I’m looking forward in working with you in regards of getting a mortgage for my future property once I sold my current flat.
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Jesse Dhaliwal profile picture
Jesse Dhaliwal
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Fantastic job thanks for the amazing company service I highly recommend it
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Ready to Talk About Your Mortgage? Call Us For Free

You don’t need to have everything figured out before getting in touch with us. Whether you need an experienced mortgage advisor, an independent mortgage broker, or simply want to understand what your options might be, it all starts with a conversation.

 

Speak to a mortgage advisor today to discuss how we can help you achieve the best mortgage and finance options. 

Call us for free

Call us today and to discuss how we can help you achieve the best mortgage and finance options.