Mortgagesfullstop are an Independent Mortgage Brokers established in 1982 by Ryszard Kuzminski. Ryszard was born in Birmingham and is able to speak Polish. Before becoming a Mortgage Broker he spent a number of years working in the accounts department for various companies from industrial to professional, finally spending just under 3 years as an assistant branch manager for a building society in Birmingham and during this time being promoted to a sub office manager before taking the biggest step of his life and becoming an Independent Mortgage Broker in 1982. As the financial services industry started to become regulated, there was a need for specific qualifications. Ryszard took the opportunity to study for his Financial Planning Certificate whilst with St. James's Place. This he passed in September 1997.