Business Details
Your Trusted Mortgage Broker in Wolverhampton
With over two decades of experience in the mortgage industry, I have dedicated my career to providing clear, fee-free mortgage advice to clients across Wolverhampton and the wider West Midlands. My approach combines deep local market knowledge with a commitment to understanding each client's unique financial situation. I specialise in navigating complex mortgage scenarios, from first-time buyer schemes to specialist visas and adverse credit cases.My independent status allows access to the entire market, including exclusive broker-only deals, ensuring tailored solutions for every client. I prioritise transparency, offering flexible appointment times and ongoing support throughout the mortgage process. My goal is to demystify mortgage options while maintaining the highest standards of professional conduct regulated by the Financial Conduct Authority.
Services
First-Time Buyer Mortgages
Remortgage Advice
Buy-to-Let Mortgages
Bad Credit Mortgages
Self-Employed Mortgages
Spouse Visa Mortgages
Offset Mortgages
Home Mover Mortgages
Life Insurance
Income Protection
Highlights and features
- We offer 20+ years' experience in mortgage advisory services
- We provide whole-of-market access including exclusive broker-only deals
- Our team specialises in complex cases including visa holders and adverse credit
- We operate with full transparency and no hidden fees
- We offer flexible daytime and evening appointments
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Top notch
Knowledgeable
Responsive
Genuinely helpful
Absolute legend
Services
First-Time Buyer Mortgages
Specialist guidance for first-time property purchases. We help clients understand mortgage options, secure deposits, and navigate government schemes. Our service includes affordability assessments, mortgage in principle assistance, and step-by-step guidance through the buying process. With access to 95% LTV options and exclusive deals, we make homeownership accessible while ensuring long-term financial sustainability.
Remortgage Advice
Comprehensive remortgaging solutions to save money or release equity. We analyse current deals, market options, and client circumstances to secure better rates or fund home improvements. Our service includes SVR avoidance strategies, product transfers, and equity release options. We handle all paperwork and negotiations, ensuring seamless transitions to more favourable mortgage terms.
Buy-to-Let Mortgages
Tailored support for property investors. We assist portfolio landlords and first-time investors with mortgage sourcing, portfolio optimisation, and limited company structuring. Our expertise covers HMO financing, let-to-buy arrangements, and portfolio refinancing. We provide yield calculations, stress testing, and tax-efficient mortgage structuring to maximise investment returns.
Bad Credit Mortgages
Specialist mortgages for clients with credit challenges. We work with lenders who consider individual circumstances beyond credit scores. Our service includes CCJ/default resolution strategies, affordability assessments, and credit-building advice. We access exclusive products from specialist lenders like Pepper Money and Precise Mortgages, offering competitive rates for clients with 5%+ deposits.
Self-Employed Mortgages
Mortgage solutions for non-standard income structures. We help sole traders, directors, and contractors demonstrate affordability through SA302s and bank statements. Our service includes income verification strategies, lender matching, and complex case presentation. We access products requiring 2+ years' accounts with flexible income assessment methods.
People
Andrew Timmins
Mortgage Broker
With over 20 years' experience in mortgage advisory services, Andrew specialises in complex cases including visa holders, self-employed applicants, and adverse credit situations. Regulated by the FCA, he provides independent advice across the West Midlands.
Questions
Can I get a mortgage with bad credit?
Yes, we work with specialist lenders who consider individual circumstances beyond credit scores, including satisfied CCJs and defaults.
Do you charge fees for mortgage advice?
No, our advice is completely free as we receive commission from lenders upon successful completions.
Can self-employed applicants get mortgages?
Yes, we access lenders that specialise in self-employed income verification using tax returns and bank statements.
Do you help first-time buyers?
Yes, we provide complete guidance including deposit strategies, government schemes, and mortgage in principle assistance.
Can visa holders get UK mortgages?
Yes, we help Tier 2/Skilled Worker visa holders with at least 12 months' visa validity and permanent employment contracts.
Do you offer remortgage advice?
Yes, we help clients avoid standard variable rates and secure better deals, often including free valuations and legal fees.
