Business Details
Your Trusted Mortgage Broker in Wolverhampton
With over two decades of experience in the mortgage industry, I provide independent, fee-free mortgage advice tailored to the unique needs of clients across Wolverhampton and the wider West Midlands. My expertise spans first-time buyer mortgages, remortgaging, buy-to-let portfolios, self-employed income assessments, and complex cases involving adverse credit histories. As a locally based broker, I combine in-depth knowledge of the Wolverhampton property market with access to exclusive broker-only deals from hundreds of lenders.My commitment to transparency ensures clients receive impartial guidance without hidden fees, while my flexible appointment system accommodates busy schedules. By maintaining strong relationships with specialist lenders, I consistently deliver tailored solutions that align with each client's financial circumstances and property goals.
Services
First-Time Buyer Mortgages
Remortgage Advice
Buy-to-Let Mortgages
Self-Employed Mortgages
Bad Credit Mortgages
Spouse Visa Mortgages
Offset Mortgages
Life Insurance
Income Protection
Highlights and features
- We offer genuinely fee-free mortgage advice with no broker fees
- We provide independent, whole-of-market access to 1000+ mortgage products
- We save clients money through exclusive broker-only deals
- We specialise in complex cases including adverse credit and self-employed mortgages
- We offer flexible daytime and evening appointments to suit client schedules
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Top notch man with vast knowledge
Helpful and responsive throughout
Smooth and stress-free experience
Became a trusted friend
Genuinely helpful, not pushy
Services
First-Time Buyer Mortgages
Tailored guidance for first-time property purchases, including 5% deposit options and government schemes. We explain mortgage types, assist with affordability assessments, and secure competitive rates. Our service covers deposit strategies, Help to Buy schemes, and complete application support for clients across the West Midlands.
Remortgage Advice
Expert remortgaging solutions to avoid standard variable rates, reduce payments, or release equity. We compare 1000+ deals annually, handle product transfers, and provide debt consolidation advice. Our local knowledge helps Wolverhampton homeowners maximise savings through broker-exclusive offers.
Buy-to-Let Mortgages
Specialist buy-to-let advice for individual and portfolio landlords. We arrange competitive rates, handle limited company purchases, and advise on HMO financing. Our service includes portfolio analysis, refinancing strategies, and let-to-buy solutions across Birmingham and surrounding areas.
Self-Employed Mortgages
Dedicated support for self-employed applicants requiring non-standard income verification. We work with lenders accepting SA302 tax documents and handle complex cases involving fluctuating income, new businesses, and diverse company structures across the West Midlands region.
Bad Credit Mortgages
Expert guidance for clients with CCJs, defaults, or bankruptcy histories. We access specialist lenders using manual underwriting processes and help rebuild creditworthiness. Our approach focuses on recent financial conduct and current affordability rather than historical issues.
People
Andrew Timmins
Mortgage Broker
With over 20 years' experience, Andrew specialises in helping West Midlands clients navigate complex mortgage scenarios. He provides impartial advice on first-time purchases, remortgaging, and buy-to-let investments while maintaining FCA-regulated standards of professionalism.
Questions
What mortgage options exist for self-employed individuals?
We specialise in self-employed mortgages requiring 2-3 years accounts, with options for fluctuating income and various business structures.
Can I get a mortgage with adverse credit history?
Yes, we work with specialist lenders who consider applications with CCJs, defaults, and past credit issues on their merits.
How does an offset mortgage work?
Offset mortgages link savings to your mortgage balance, reducing interest charges by deducting savings from the loan amount before calculating interest.
What deposit is required for first-time buyers?
We secure competitive rates for 5% deposits, with options available for smaller deposits depending on circumstances.
Can I remortgage to release home equity?
Yes, we help homeowners release equity for home improvements, debt consolidation, or investments through remortgaging.
Do you offer buy-to-let mortgage advice?
We provide specialist buy-to-let advice for individual landlords and portfolio investors, including limited company purchases.
