Kasia Ostler - Key Steps Financial

31/10/2026

🎃 Picking the perfect pumpkin can be harder than it looks… and choosing a mortgage isn’t that different!

The lowest rate doesn’t always mean the best deal, and what’s right for someone else might not be right for you.

So before you get spooked by mortgage rates, hidden fees or the small print, let’s make sure you pick the right one for you!

Happy Halloween from Key Steps Financial! 👻

07773 351471 / 01562 850071
📧 [email protected]
📆 https://linktr.ee/kasia.ostler

Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances, but will range from £295 to £495, and this will be discussed and agreed with you at the earliest opportunity.

Key Steps Financial is a trading name of Katarzyna Barbara Ostler an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

29/10/2026

AUTUMN BUDGET 2026

There’s been a lot to take in from yesterday’s Budget, so I thought I’d pick out a couple of things that could be particularly relevant if you’re thinking about buying your first home or reviewing your mortgage plans.

The proposed Your First Home scheme, expected in 2027, could help eligible buyers purchase a new-build with a smaller deposit and government support. There are also plans to replace the Lifetime ISA with a new First-Time Buyer ISA, although that’s still a few years away.

There’s plenty more to digest, including changes affecting household bills, landlords and the wider housing market. And while there’s been a lot of talk about helping households, I wouldn’t assume we’ll suddenly see mortgage rates falling. There’s still a lot influencing the market.

As always, the important thing is understanding what these announcements actually mean for you, rather than just the headlines.

If you’ve heard something within the Budget announcement and aren’t quite sure how it could affect your mortgage plans, or you’re wondering whether any of the new schemes might be relevant to you, get in touch. I’m always happy to talk things through in simple language and help you understand your options.

☎️ 07773 351471 / 01562 850071
📧 [email protected]
📆 https://linktr.ee/kasia.ostler

Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances, but will range from £295 to £495, and this will be discussed and agreed with you at the earliest opportunity.

Key Steps Financial is a trading name of Katarzyna Barbara Ostler an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

15/10/2026

Your bank balance isn't your profit

A healthy bank balance doesn't necessarily mean you're making a healthy profit.

You might have £10,000 sitting in your business bank account…
…but if you've got £3,000 of VAT to pay, £2,000 of bills due and a tax bill around the corner, that £10,000 isn't really all yours to spend.

This is one of the reasons I think keeping your bookkeeping up to date is so important.

The number in your bank account only tells you part of the story...

09/10/2026

I love this quote because it applies perfectly to one of life’s biggest goals:

Becoming a homeowner.

Buying your first home rarely happens overnight. It often starts with a wish or a dream, followed by small, consistent steps that gradually turn it into reality.

So, if owning your own home is on your wish list, here are a few things you can start doing today.

🏠 Start with a conversation. Speaking to a mortgage adviser early can help you understand what you might be able to afford, how much deposit you’ll need and what steps to take next.

🏠 Get to know your credit report. Check it regularly and look out for anything that may need correcting, improving or repaying before you apply for a mortgage.

🏠 Keep your accounts in good shape. Consistent payments, sensible spending and avoiding unnecessary missed payments can all help you prepare for a future mortgage application.

🏠 Be consistent with saving. Even small amounts put aside regularly can gradually build into a deposit. It’s not always about how much you save in one go, but about keeping going.

🏠 And remember, you don’t have to wait until you have your deposit saved or feel completely ready before asking questions.

At Key Steps Financial, I can help you understand where you are now, identify what might need attention and work out the steps towards where you want to be.

Because sometimes, the difference between “one day, I’d love to own my own home” and “I’ve got the keys!” is having a plan and sticking to it. 😊



☎️ 07773 351471 / 01562 850071
📧 [email protected]
📆 https://linktr.ee/kasia.ostler

Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances, but will range from £295 to £495, and this will be discussed and agreed with you at the earliest opportunity.

Key Steps Financial is a trading name of Katarzyna Barbara Ostler an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

08/10/2026

Every sale starts with a conversation. 🏡

Selling your property isn’t a decision that happens overnight. It starts with a conversation — understanding your goals, your plans, and what the right next move looks like for you.

Whether you’re just starting to think about selling or you’re ready to make a move, we’re here to talk it through with you.

📞 Let’s start the conversation. 👇

David Jones - Prestige Property Expert For North Worcestershire

28/09/2026

Amazing speaker this Thursday morning at Paisley at 106 🤩

Kasia is back at Paisley No.106, Stourport on Severn, this Thursday, 1st October and will be joined by the lovely Carrie Orgee as guest speaker.

Carrie will be sharing her W.E.A.L.T.H.Y framework with everyone, which is about building businesses that give you time, space, energy and freedom.

Learn more about Carrie here https://carrieorgee.com/

REGISTER NOW https://www.eventbrite.co.uk/e/1998675187288

Connect Members can register free of charge using the Connect Code.

New to Women Who? Claim a free meeting pass. Email us at [email protected] to claim.

Non-members are invited to purchase Pay As You Go tickets for just £24.

Visit our Events Calendar for more meeting dates and locations https://womenwhouk.co.uk/events/

16/09/2026

I love where I live 🥰

03/09/2026

After a great summer break, September brings us back to routine — school, work, busy diaries… and for me, back to Paisley at 106 for our Women Who Business Community networking evening.

It was so lovely to catch up with familiar faces and welcome some new ones too.

This month, Caroline Laudren Quillet - Independent Financial Adviser at Consequential Planning gave us a really interesting, inspiring and, most importantly, easy-to-understand presentation covering pensions, investments and protection.

One thing that really stood out to me was how easy it is to lose track of pensions from previous employments. If you have old workplace pensions sitting somewhere and you’re not really sure what’s happening with them, I’d definitely recommend having a chat with Caroline. She can explain your options and guide you through the process in a way that actually makes sense.

We also talked about savings and investments, including Cash ISAs and Stocks & Shares ISAs, and what you might want to consider if you’re thinking about putting money aside for yourself or saving for your children’s future.

It was a great reminder that whether it’s an old pension, savings you’ve built up or simply planning ahead for your family, it’s worth understanding what options are available to you.

We’re back at Paisley at 106 on 1st October so if you’re a local woman in business and fancy meeting some lovely, supportive businesswomen, sharing ideas and making genuine connections then drop me a message.

Women Who Business Community

See you in October! 😊

30/08/2026

For all your domestic security needs.
🏡🚨

Another house now secured in Bromsgrove. The owner now has a smart alarm so she will always know what is happening and when, and can be controlled anywhere in the world. Parents also have the app and were surprised how easy it is to use.

For all your security needs give us a shout and we will conduct a free, no obligation security audit.

26/08/2026

A lovely review from a recent client — and one that shows how a remortgage can help with more than just the mortgage itself.

In this case, we arranged a BTL remortgage and raised additional funds to help cover renovation work on both the rental property and their own home.

Sometimes it’s the jobs you’ve been putting off for ages — a new kitchen, bathroom, windows, roof repairs or giving the whole place a much-needed refresh.

If there’s work that needs doing but you don’t want to use all your savings to pay for it, it can be worth exploring whether raising funds through a remortgage could be an option.

There’s no one-size-fits-all answer, but that’s where looking at the whole picture can really help.

Thank you for the lovely review!