FCA-authorised firm · no. 769375
Dariusz Karpowicz, mortgage adviser in the UK

Dariusz Karpowicz · UK Mortgage Adviser

Your own home is closer than you think

For over 15 years I've been helping people across the UK go from a first conversation to picking up their own keys. Start with a free mortgage affordability check. It's quick, it's friendly and there's no obligation at all.

Check your mortgage affordability

A short online form that takes around 2 minutes. My team will look at your situation and come back to you personally.
Free initial consultation No obligation Takes 2 minutes
We reply within 24 hours on working days
15+years' experience
12,000+clients
FCAauthorised

Services & tools

Book an initial consultation

Pick a convenient time for a free chat with my team.

 Paid consultation directly with me1:1

A personal conversation with me: your situation, your options and a clear plan of action. £259, fully offset against our fees if you go ahead.

 No-deposit mortgages100% LTV

Explore mortgages of up to 100% LTV, available subject to lender criteria.

 Expat & foreign national mortgagesWorldwide

Living overseas or earning in a foreign currency? I arrange UK residential and buy-to-let mortgages for expats and international buyers, handled remotely from start to finish.

 Mortgage calculators

Stamp Duty, monthly repayments, affordability. Work it out in a minute.

 Life & protection insurance

Life insurance, critical illness cover and income protection. Look after the people who matter most.

 Will writing

Protect your home and family with a professionally prepared will. Simple, quick and done properly.

 checkmyfile credit report

Data from multiple credit agencies in one report. Free for 30 days, then a paid subscription you can cancel at any time. Affiliate link.

 Support my content

If my content helps you, you can buy me a coffee.

The first step

This time next year you could still be renting or holding your own keys

Checking your affordability costs nothing and commits you to nothing. And you'll always be speaking to a real person from my team, never a call centre.

Check your mortgage affordability

2 minutes online. Start now.
Free initial consultation No obligation Takes 2 minutes
We reply within 24 hours on working days

How it works

  1. Fill in a short form

    Just a few questions about your income and your plans. It takes about 2 minutes, and you won't need any documents.

  2. Let's have a chat

    My team will review your situation and arrange a free, no-obligation consultation at a time that suits you.

  3. Get a clear plan of action

    You'll know exactly where you stand and what to do next. From there, we'll guide you through the whole process, right up to the day you collect your keys.

Client reviews

4.9 / 5 · 181 reviews on Google & Facebook

"I can't recommend them enough. As a first-time buyer, I honestly didn't think getting a mortgage would be possible, but they supported me every step of the way. Thanks to their knowledge and support, I have now received my mortgage offer."

Agnieszka · Google review

"We couldn't have asked for a better mortgage advisor. From start to finish, the support was amazing — everything was explained in a simple, friendly way. And now, thanks to Albion, we're about to move into our first home!"

Patrycja · Google review

"Mike Johnson was recommended to me by another happy customer. He took care of everything on both my remortgages and will be taking care of the next one too! Even sorted me the life insurance most suited to my needs."

Oliver · Facebook review

About me

I know this road. Thousands of families have walked it with me

Buying a home can feel overwhelming. There's the jargon, the paperwork and decisions that stay with you for years. That's why I keep things simple: step by step, in plain English, with no surprises along the way.

I'm the founder of Albion Financial Advice. In over 15 years, my team and I have helped more than 12,000 clients buy their homes, from tradespeople to business owners. I also share what I learn every day on YouTube and social media, because I believe mortgages shouldn't be a mystery to anyone.

Read my story

Meet the team

Dariusz KarpowiczDariusz KarpowiczDirector & Mortgage Adviser Ilona KarpowiczIlona KarpowiczBusiness Development Manager Agnieszka Lubinska-ZwaraAgnieszka Lubinska-ZwaraOperations Manager Mike JohnsonMike JohnsonMortgage & Protection Adviser Tomasz KrewsunTomasz KrewsunMortgage & Protection Adviser Monika WrzesinskaMonika WrzesinskaMortgage & Protection Adviser Natalia RudowskaNatalia RudowskaMortgage & Protection Adviser Brent FoxBrent FoxSenior Mortgage & Protection Administrator Magdalena SopelewskaMagdalena SopelewskaJunior Mortgage & Protection Administrator
Meet the whole team

Questions & concerns

I'm self-employed or work on a contract. Do I stand a chance?
Yes. A great many of my clients work on CIS, agency contracts or run their own business. Lenders assess this kind of income very differently, which is why comparing offers matters so much. We'll check which lenders best fit your situation.
I have a poor credit history. Does that rule me out?
Not always. We start with your credit report and tell you honestly what's possible now and what needs time and a repair plan. The final decision always rests with the lender, but with us you won't be guessing in the dark.
I don't have a big deposit. Is the dream over?
Not necessarily. Low-deposit mortgages are available, and in some cases up to 100% of the property value, subject to the lender's criteria. We'll check whether you qualify and how much you realistically need.
How much does your help cost?
The affordability check and initial consultation are free and commit you to nothing. If you decide to work with us, any fees will be set out clearly and in writing before you make any decision. After the initial affordability and credit-history check, our standard fee for a residential purchase is £599. If you have an adverse credit history or are buying a buy-to-let property, the standard fee is £899.

Contact the Albion team

Phone01302 590039 Mobile07757 015645 Email[email protected]

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