Business Details
24 Years
experience
Your Trusted Mortgage Broker in Wolverhampton
Andrew Timmins has been providing expert mortgage advice across the West Midlands for over two decades. As an independent broker regulated by the Financial Conduct Authority, we specialise in helping first-time buyers, home movers, landlords, and self-employed individuals navigate the complexities of property finance. Our fee-free service combines whole-of-market access with local expertise in Wolverhampton, Birmingham, and surrounding areas. With a focus on transparency and client education, we offer tailored solutions for remortgaging, buy-to-let portfolios, adverse credit situations, and visa holder mortgages.Our team's extensive experience ensures clients receive impartial guidance through every stage of the mortgage process, from initial consultation to completion. We maintain strong relationships with major lenders while prioritising our clients' financial goals through flexible appointment options and clear communication.
Services
First-Time Buyer Mortgages
Buy-to-Let Mortgages
Remortgage Advice
Self-Employed Mortgages
Offset Mortgages
Visa Holder Mortgages
Equity Release
Debt Consolidation
Right to Buy
Portfolio Landlord Services
Details
- Year established: 2002
Highlights and features
- Genuinely fee-free mortgage advice with no hidden costs
- Independent whole-of-market access to 1000+ mortgage products
- Specialist support for self-employed, visa holder, and adverse credit cases
- Local knowledge of Wolverhampton property market and lender preferences
- Flexible daytime and evening appointments available
Associations and certifications
- Financial Conduct Authority
What people say
Top notch man with vast knowledge
Helpful and responsive
Expert reliable mortgage advice
Nothing was too much trouble
Became a great friend
Services
First-Time Buyer Mortgages
Specialist guidance for first-time property purchases, including 5% deposit options and government schemes. We explain mortgage types, assist with affordability assessments, and help secure competitive rates while providing clear advice on additional costs like stamp duty and insurance.
Buy-to-Let Mortgages
Tailored solutions for property investors, covering portfolio management, limited company purchases, and HMO financing. We compare landlord-specific products, advise on rental income calculations, and help optimise tax efficiency through appropriate mortgage structures.
Remortgage Advice
Expert guidance on exiting standard variable rates, with analysis of equity release, debt consolidation, and product transfers. We handle the full application process while identifying cost-saving opportunities through exclusive broker deals and lender incentives.
Self-Employed Mortgages
Specialist support for freelancers and business owners, including income verification strategies and documentation preparation. We access lenders that accept SA302 forms and understand variable income patterns, ensuring competitive rates for complex financial situations.
Adverse Credit Mortgages
Guidance for applicants with CCJs, defaults, or bankruptcy history. We connect clients with manual underwriters who assess applications based on recent financial conduct and current affordability rather than automated credit scoring systems.
People
Andrew Timmins
Mortgage Broker
With over 20 years' experience, Andrew specialises in helping West Midlands clients with complex mortgage needs. He provides clear advice on first-time purchases, remortgaging, and specialist cases while maintaining FCA-regulated standards of professionalism and client care.
Questions
What mortgage options exist for visa holders?
We specialise in Tier 2 visa and spouse visa mortgages with lenders who understand immigration status complexities.
How can I remortgage with bad credit?
We access specialist lenders who consider adverse credit history context and recent financial improvements.
What deposit is required for first-time buyers?
We secure competitive deals from 5% deposits, including government schemes like Shared Ownership.
Can self-employed applicants get mortgages?
Yes, we work with lenders who specialise in self-employed income verification and complex tax arrangements.
How does offset mortgage work?
Link savings to your mortgage to reduce interest charges while maintaining access to funds.
What are the benefits of using a broker?
Access exclusive deals, save time comparing options, and receive expert guidance through complex processes.
