FCA-authorised firm · no. 769375
Mike Johnson, mortgage and protection adviser in the UK

Mike Johnson · Mortgage & Protection Adviser

Secure your home. Protect your family.

For over 14 years I've been helping clients across the UK get the right mortgage and put the right protection in place. 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. I'll 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
14+years' experience
2,500+clients helped
FCAauthorised

Services & tools

Book an initial consultation

Pick a convenient time for a free chat with the Albion team.

 Health questionnaireMy clients

Applying for life or protection insurance with me? Complete your confidential health questionnaire online and it comes straight to me.

 No-deposit mortgages100% LTV

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

 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.

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, 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

    We'll 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

"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

"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

About me

Your mortgage sorted. Your family protected.

Buying a home and protecting your family 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 a Mortgage & Protection Adviser at Albion Financial Advice with over 14 years in financial services. I specialise in complex mortgage cases and comprehensive protection planning — life insurance, critical illness cover and income protection — and I've helped more than 2,500 clients secure their homes and look after the people who matter most.

Read more about me

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 our 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 Emailmike@albionfa.co.uk

Albion channels