​Fee free mortgage advice in Birmingham & Wolverhampton





Over the past 20 years I have arranged 100s of mortgages for clients in and around the Birmingham and Wolverhampton area.  Whether you are a first time buyer looking to purchase your first home or an experienced landlord looking for a limited company buy to let, You can benefit from free mortgage advice.

Call Andrew Timmins on 07904113208 to discuss your requirements or send an enquiry by email

​Free mortgage advice in an around Wolverhampton & Birmingham for all of the following: Why Use a Mortgage Broker?
  • Whole of market advice - Why limit your options to a handful of high street lenders when there is a much wider choice available.  Not all lenders have branches, many are broker only.
  • Saves you money - A wider choice of lenders can lead to cost savings.  Not only lower monthly payments but free valuations and lender funded solicitor with many products.
  • Specialist Needs - Self-employed, multiple income streams or adverse credit issues.  There may be options available, even if your own bank has said no.
  • Flexible Hours - Daytime and evening appointments available.  Often much quicker than you can get an appointment at a local branch.
  • Buildings & Contents Insurance - High quality policies available for residential and buy to let.
  • Life Insurance - Life insurance and critical illness cover for mortgage and family protection.
  • Income Protection - Look at this as extended sick pay.  A policy to cover your income if you are unable to work due to illness or injury.  Suitable for employed and self employed workers.
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How the Process Works
  1. Initial discussion - Contact me either by phone, email or the contact form.  We can then have an initial discussion to see what you are looking to do and whether I can help.  If you are then happy to proceed we can move on to the fact find.
  2. Fact Find - At this stage I would need to know full name, date of birth and address history for the latest three year.  In addition, details of employment status, income, financial commitments and other outgoings would be required.  We would also discuss deposit available, monthly budget and interest rate options.  This is also a good time to consider requirements for life insurance and other protection needs.
  3. Research - At this point I would research the whole mortgage market to find a suitable lender for your requirements. Illustrations can be provided for you to view.
  4. Decision In Principle - Once you are happy to proceed we can get a decision in principle, if required, from the lender.  This will give you proof that you have been approved for a mortgage.  Essential if you are purchasing a new property.
  5. Application - At this stage I would require proof of your ID and residential address, and income.  Income proof is usually in the form of payslips/accounts and bank statements.  Once the lender has been provided with the paperwork requested, a valuation is conducted and you should receive your mortgage offer.
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​Information about Wolverhampton
​Wolves FC Football club based in Wolverhampton
Wolverhampton City Council https://www.wolverhampton.gov.uk/​
Wolverhampton City Guide http://www.wolverhamptoncity.co.uk/​
University of Wolverhampton https://www.wlv.ac.uk/​

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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Andrew Timmins is a registered individual of Premier Financial & Estate Planning which is authorised and regulated by the Financial Conduct Authority FCA 566936
Below is a list of areas covered:

Mortgage Broker Birmingham
Mortgage Broker Wolverhampton
Mortgage Broker Sedgley
Mortgage Broker Dudley
Mortgage Broker Walsall
Mortgage Broker Bilston
Mortgage Broker Tipton
Mortgage Broker Sandwell
Mortgage Broker Brierley Hill
Mortgage Broker West Bromwich

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