10 out of 10
20 verified reviews on
Verified Advisers
Whether you’re buying your first home, moving or reviewing your mortgage, I’m here to help you understand your options and feel confident about your next step. I take the time to get to know you, what you need and what you can comfortably afford. I explain things in plain language and support you throughout the process, from our first chat to completion. I also help with life insurance, critical illness cover and income protection, so you can plan for the unexpected and protect the people who matter to you. I speak English and Polish, and offer appointments in person or online. If you’re unsure where to start, let’s have a chat.

I advise on

Mortgages
First Time Buyers
Personal Protection
Buy To Let
Porting
Remortgage & Product Switch

Accreditations

Certificate in Mortgage Advice and Practice (CeMAP®)

Consumer Duty scores

Products and Services

10 / 10

Based on 40 responses

Price and Value

10 / 10

Based on 40 responses

Consumer Understanding

10 / 10

Based on 40 responses

Consumer Support

10 / 10

Based on 40 responses

Last updated 29 October 2026

What clients say

Absolutely amazing

October 2026

I am extremely happy with the service I received from Justyna Los. She was professional, kind, patient and incredibly helpful throughout the entire process. Justyna always took the time to listen carefully, understand my individual situation and explain everything clearly and thoroughly. She made sure that I fully understood all the information provided and felt comfortable and confident before making any decisions. Whenever I had a question or needed advice, Justyna was always approachable, responsive and supportive. I genuinely felt that she cared about me as a client and wanted to make sure that I received the best possible advice and service. My experience with Justyna Los has been excellent from beginning to end. I would highly recommend her to anyone looking for a knowledgeable, trustworthy and supportive adviser. Justyna is a true credit to her profession and to Five Star Mortgages Limited. Thank you, Justyna, for all your help, patience and support throughout the whole process.

September 2026

I couldn’t recommend my mortgage broker highly enough. Justyna was absolutely amazing from start to finish and was there every step of the way throughout the whole process. Her team was there when she was out or in the meetings. She was always available to answer my questions, explained everything clearly and patiently, and made sure I understood what was happening at each stage. She made what could have been a very stressful and complicated process feel much easier and more manageable. Her professionalism, knowledge, kindness and support were exceptional. I’m extremely grateful for all her help and would definitely recommend her to anyone looking for a mortgage broker.

September 2026

I had an excellent experience with the mortgage service from start to finish. The whole process was handled professionally, efficiently and with great care. Everything was explained clearly, all of my questions were answered promptly, and I always felt well informed and supported throughout the process. What could have been a stressful experience was made straightforward and reassuring. I am extremely grateful for all the help and would highly recommend the service to anyone looking for mortgage advice. Thank you so much for making the whole experience so positive!

August 2026

Justyna Los
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