Polski Mortgage Broker - Kredyt Hipoteczny w UK, Kupno Domu w UK - PJ Mortgages is an FCA-regulated mortgage broker based in Hounslow, TW13 4HX, specialising in Buy-to-Let, First Time Buyers, Help to Buy and 2 other areas. Rated 5/5 from 9 reviews.
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Krzysztof Luczak
16 Dec 2025I had an extremely helpful conversation with Przemek today. I’m genuinely impressed with his knowledge, professionalism, and clarity. I will definitely be using his services both for mortgage-related matters and for support with my citizenship application. Highly recommended!
Anna Urban
11 Apr 2025I recommend, precise work, great communication, reasonable price and great pleasure to work with Przemek 👌
Krzysztof Lademann
24 Apr 2023Przemek is an absolute Legend. He’s a master of his trade and is very personable. I couldn’t be happier with the service that he provided me, on the purchase of my first home. He went above and beyond, guided me every step of the way and gave me the best possible advice, I wouldn’t hesitate in recommending him to anybody else!
Paulina Borsuk
30 Mar 2023I RECOMMEND PRZEMEK, A VERY GOOD MORTGAGE BROKER. HE IS ALWAYS AVAILABLE BY PHONE AND WILL ANSWER ALL QUESTIONS. I RECOMMEND HIM AGAIN.
Dominika Konieczna
16 Jul 2022I highly recommend Przemek. The loan was processed much faster than I expected. He's always available by phone to answer any questions.
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Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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