Kasia Ostler - Key Steps Financial

Kasia Ostler - Key Steps Financial Your home/property may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice.

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. The Financial Conduct Authority does not regulate some forms of Buy to Lets. The precise amount of the fee will depend upon your circumstances but will range from £299 to £495 and this will be discussed and a

greed with you at the earliest opportunity. The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. 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.

MAY HIGHLIGHTS.May has definitely been another busy month in the property world, with plenty happening across the market...
29/05/2026

MAY HIGHLIGHTS.

May has definitely been another busy month in the property world, with plenty happening across the market and lots for people to keep up with.

A few key market points this month:

* Inflation has continued to dominate the headlines
* Interest rates are still fluctuating
* The Bank of England kept rates the same at the last review at the end of April
* The Renters’ Rights Act remains a major talking point for landlords and tenants alike

For many buyers and homeowners, it still feels like a “watch this space” market. Mortgage rates are changing regularly, which is why reviewing options and getting up-to-date advice is so important.

It’s also been a really varied month for me professionally, helping clients with:

* Different property building structures
* The First Homes new build scheme
* Self-employed mortgages using just 1 full year of income
* Buy-to-let remortgages with additional borrowing towards home renovations
* Residential remortgages raising extra funds to consolidate existing debts against the mortgage
* Mortgage and protection enquiries from people wanting to plan ahead and create more financial security

One of the things I enjoy most about this job is that no two cases are ever the same.

Outside of mortgages, I hosted my monthly meeting at Paisley at 106, where Hannah Dudley was my guest speaker alongside a lovely pop-up shop run by her team from Kidderminster based business Outpost Custom. It was another great event with lots of support for local businesses and some really interesting conversations throughout the morning.

Earlier this month, I also represented Women Who Business Community at the Worcestershire Stirling Expo at Sixways Stadium on 15th May, with Lisa Lloyd, Natasha McCann, Caroline Laudren Quillet - Independent Financial Adviser , Wendy Garrett. It was a fantastic event and a great opportunity to connect with so many local businesses.

Something completely different for me this month was my first experience working as an exam invigilator at my local high school. I actually found it really interesting and insightful — and slightly surreal knowing that next year my youngest will be there doing her GCSEs herself.

Away from work, one of my hobbies throughout the football season is photography for my daughter’s football team. I absolutely love capturing some of the action shots and special moments from the games along the way.

Now we move into June for more of the same:
Helping more lovely people onto the property ladder, supporting clients through remortgages and protection planning, and hopefully enjoying some continued nice weather along the way.

Wishing everyone a lovely start to June. 😊

My highlights. As a very proud parent, on Saturday we were celebrating with Olivia after the Kidderminster Harriers Girl...
11/05/2026

My highlights.

As a very proud parent, on Saturday we were celebrating with Olivia after the Kidderminster Harriers Girls U15s won the Worcestershire County Cup for the second year running 🏆 Such an amazing achievement and a lovely moment to share together.

Work-wise, couple of my first-time buyers had their offers accepted, which is always such an exciting milestone. Another young couple received their mortgage offer from HSBC, and two more couples have finally agreed on their mortgage completion dates and will be handed the keys to their new homes over the next two weeks! Seeing clients take the next steps towards their new homes never gets old.

This week will be focused on finalising new applications and completing a few protection reviews for clients who are due to complete on their house purchases very soon.

Alongside mortgages, May and June also mean exam season for me, as I help out as an Exam Invigilator during the GCSE and A-Level exams. Wishing all students the very best of luck over the next few weeks — you’ve got this 🥰

And finally, on Thursday I’ll be representing the Women Who Business Network at the Stirling Expo at Sixways Stadium, home of the Worcester Warriors. If you’re planning to be there, come and say hello!

Happy 100th Birthday to Sir David Attenborough 🎉🌍For generations, Sir David has reminded us not only to admire the natur...
08/05/2026

Happy 100th Birthday to Sir David Attenborough 🎉🌍

For generations, Sir David has reminded us not only to admire the natural world, but to care deeply enough to protect it.

One of his most powerful quotes has always stayed with me:

“No one will protect what they don’t care about; and no one will care about what they have never experienced.”

Those words reach far beyond nature. They speak to our homes, our families, and the people we love most.

We protect what matters to us. We work hard, plan ahead, and put protection in place not for ourselves alone, but for the people who depend on us — the ones we care about deeply. Because love is shown not only in the moments we share today, but in the security and peace of mind we help provide for tomorrow.

Thank you, Sir David, for a lifetime of wisdom, humility, wonder, and inspiration. Your voice has helped the world see beauty more clearly, care more deeply, and think more responsibly about the legacy we leave behind.

Happy 100th Birthday to a truly remarkable man. 💚

‼️The Renters’ Rights Act came into force earlier this month, bringing some big changes — especially if you’re currently...
05/05/2026

‼️The Renters’ Rights Act came into force earlier this month, bringing some big changes — especially if you’re currently renting or thinking about buying your first home. ‼️

Here’s what you need to know:

🏡 ‘No fault’ evictions have been scrapped — giving you more security in your home
🏡 Fixed-term tenancies are being replaced with rolling contracts — more flexibility, less being “locked in”
🏡 Rent increases are now limited to once per year — and you can challenge unfair rises
🏡 Large upfront rent payments are no longer allowed — making moving more accessible

I’ve been speaking to a few clients recently whose tenancies were due for renewal around now. Previously, they felt pressured to either commit to another 12-month contract or rush into buying.

With these new rules in place, they’ve moved onto rolling agreements instead. This gives them the flexibility to take their time and plan their next move properly, without the stress of being tied into another fixed term.

👉 But here’s the key point…

Just because you’re not ready to buy yet doesn’t mean you should wait to start the conversation.

The earlier we talk, the more we can do — whether that’s improving your credit profile, understanding your budget, or putting a plan in place so you’re ready when the right home comes up.

I’d much rather help you prepare early than have you miss out later.

If you’re renting and thinking about buying “sometime soon”, feel free to drop me a message.

☎️ 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 at the application stage. 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.

A lot of people think they need to have everything figured out before speaking to a mortgage adviser…but honestly, that’...
02/05/2026

A lot of people think they need to have everything figured out before speaking to a mortgage adviser…
but honestly, that’s not how it works.

You definitely don’t need perfect credit, perfect savings, or all the answers. You just need to start the conversation….

… and I’m here to guide you through it, explain things in simple words, and help you take the right steps—no matter where you’re starting from.

☎️ 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.

The Bank of England has held the base rate steady for the third consecutive time at 3.75%.No change might sound uneventf...
30/04/2026

The Bank of England has held the base rate steady for the third consecutive time at 3.75%.

No change might sound uneventful, but decisions like this can still have a real impact on mortgages, savings, and future plans. Whether you’re wondering what this means for your current deal, thinking about remortgaging, or just trying to make sense of it all, it’s worth staying informed.

If you’ve got questions or just want to talk it through in plain English, feel free to drop me a message.

23/04/2026

🏠 B69 🏠

Another happy couple I helped recently… 🥰🏡🗝️
22/04/2026

Another happy couple I helped recently… 🥰🏡🗝️

I wanted to share some good news from a few recent client cases. 😊Every client matters to me, and I work incredibly hard...
26/01/2026

I wanted to share some good news from a few recent client cases. 😊

Every client matters to me, and I work incredibly hard to find the right solution for each one. Some cases are straightforward, others come with a few more twists and turns, but that’s all part of the job. Getting that email from the lender to say a mortgage has been agreed, and then making that good news call to the client, never gets old.

January has been a very busy month, with lots of enquiries from people who want to finally buy their first home and simply want to know if they can. I’m always happy to have those conversations.

Over the last few days, I’ve received two emails that really sum up what goes on behind the scenes. One was for a first-time buyer purchase and the other a remortgage. Both were carefully placed with the right lender, and both mortgages were agreed and offered within just two days of submission. Results like that don’t happen by chance.

I may be quieter online at times, but I’m always incredibly grateful for referrals and personal recommendations. Thank you to everyone who continues to trust me and recommend my services. 🥰

If buying your first home or reviewing your mortgage is something you’ve been thinking about, what’s the one question you’d most like answered right now? 🤔

☎️ 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.

Address

Kidderminster

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 2pm

Website

http://www.keystepsfinancial.co.uk/

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