About us

Finance is our job.
People are the reason we do it.

Yes, we deal with mortgages and insurance. Yes, we know the lenders, the criteria, the numbers and all those financial abbreviations that can give you a headache.

But SBS was never meant to be just a place you come to for a mortgage.

We wanted to create a company you could call and simply have a proper conversation with. Without feeling you need to speak the language of banks. Without worrying that your question is “silly”. Without being passed from department to department and wondering what is actually happening with your case.

That is why we stay with our clients step by step. Sometimes from the very first question: “Can I even buy a home in the UK?”, through picking up those first keys, right through to the next remortgage, investment or protecting the family.

Over the years, we have helped more than 5,000 clients. Today, we work from Southampton, Bournemouth, London and Edinburgh, but SBS still feels like a company where people know their clients by name.

And we really want it to stay that way.

Adam & Olena PilancFounders of SBS
Adam and Olena Pilanc, founders of Step by Step Financial Solutions

5000+

Satisfied Customers

820+

Reviews Across Google & FB

120+

Lenders Whole of Market

4

Branches UK

Our story

Team SBSTogether towards our goal

From property to mortgages, but the game is still on.

When Adam and Olena founded Step by Step Financial Solutions, the idea was simple: help people make better financial decisions and guide them through a process that often seems far more complicated than it should be.

Over time, SBS grew. More advisers, administrators and specialists joined us. More offices opened, bringing thousands of clients and thousands of stories.

But something else happened — something you cannot plan in a business plan.

We became part of the community.

Today, we meet our clients not just during consultations. We see them at Polish community events, WOŚP Grand Final fundraisers, sporting and charity events, in schools and simply out on the street.

Healthy Day
Healthy Daywith Anna Lewandowska– main sponsor twice
Great Orchestra of Christmas Charity
Great Orchestra of Christmas CharitySouthampton | BournemouthLondon | Edinburgh
Polish School
Polish Schoolin Southampton– financial education from an early age
Parkinson’s UK
Parkinson’s UK– supportingcharitable initiatives

We do not do this just so another logo can appear on our website.

We do it because we are part of this community ourselves.

We live here. We work here. We raise our families here. And the people we meet at these events are very often the same people we later help buy their first home.

And that is probably what we are most proud of.

Different people. Different talents.

TEAM SBS

Everyone brings a different talent, but we all play towards the same goal.

One goal – your result!

One team. One direction.

Swipe sideways to see the full team

Our players

A good team does not need eleven strikers. It needs someone who sets the tactics, someone who directs play, someone who drives the action forward, someone who guards the defence, and someone who makes sure everything follows the rules. SBS works in exactly the same way.

Adam Pilanc

Adam Pilanc

Manager

Strategy, experience and thinking several moves ahead.

Agnieszka Delegate

Agnieszka Delegate

Captain

Organisation, communication and team spirit.

Anna Moskal

Anna Moskal

Centre-back

Support, order and positive energy.

Artur Bajdas

Artur Bajdas

Striker (9)

Calm, relationships and effective delivery.

Ayodya Peiris

Ayodya Peiris

VAR (2)

Compliance, accuracy and fair play.

Ewa Kamińska

Ewa Kamińska

Attacking midfielder (7)

Energy, speed and effectiveness.

Grzegorz Szczepaniak

Grzegorz Szczepaniak

Winger (11)

Pace, communication and relationships.

Jolanta Malec

Jolanta Malec

Central midfielder (8)

Relationships, accuracy and calm.

Justyna Frąckowiak-Szulc

Justyna Frąckowiak-Szulc

Goalkeeper

Organisation, alertness and handling chaos.

Olena Pilanc

Olena Pilanc

Club co-owner

Brings people together, supports growth and focuses on what matters.

Weronika Shava

Weronika Shava

Playmaker (10)

Creativity, difficult cases, and plans B and C.

Łukasz Cichowski

Łukasz Cichowski

Finisher (3)

Precision, focus and completion.

Paweł Lewicki

Paweł Lewicki

Defensive midfielder (6)

Calm, resourcefulness and consistency.

Kasia Makarewicz

Kasia Makarewicz

Coach

Knowledge, development and effectiveness.

You do not need to know our tactics.
That is why you have the whole SBS team.

Tell us the result you want to achieve. We will take care of the rest.

Book a free consultation

Ready to take the next step?

Book a free 30-minute consultation with one of our expert advisors today.

Book Free Consultation

Important Information

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances i.e credit history, employment record.
This will typically be £395 for purchases, remortgages £199 and we will not charge for a Product Transfer.
We will provide you written confirmation of your fee prior to the commencement of any chargeable activity.

Step By Step Financial Solutions

Award-winning mortgage and protection advisors helping you achieve financial stability, step by step.

Newsletter

Get mortgage tips, guides & market updates straight to your inbox.

    Contact Us

    © 2026 Step By Step Financial Solutions Ltd. All rights reserved.

    There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances i.e credit history, employment record.
    This will typically be £395 for purchases, remortgages £199 and we will not charge for a Product Transfer.
    We will provide you written confirmation of your fee prior to the commencement of any chargeable activity.

    Your home is at risk if you do not keep up repayments on a mortgage or other loan secured against it.

    Step by Step Financial Solutions Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
    We are entered on the Financial Services Register under firm reference number 780408.
    Step By Step Financial Solutions is registered in England and Wales under company number 08946989 at registered address Unit 314, Solent Business Centre, 343 Millbrook Road West, Southampton, SO15 0HW.

    We use cookies to ensure our website functions correctly and to analyse how visitors use our site. By clicking "Accept", you consent to our use of cookies. Read our Cookie Policy for full details.

    Learn More