Mortgage advice that's as safe as houses
At our mortgage brokerage, we pride ourselves on providing exceptional service and expertise to our clients in Wolverhampton and Birmingham. With over 20 years of experience, our highly knowledgeable and dedicated team, led by Andrew Timmins, has arranged hundreds of mortgages for individuals and businesses in the area.
Our Services
We offer a comprehensive range of services, including free mortgage advice, remortgage guidance, buy-to-let mortgage advice, and life insurance and income protection advice. Our clients benefit from whole-of-market advice, which means we can access a wide range of lenders, including those that may not be available through high street banks. This allows us to provide a bespoke service tailored to each individual's or business's unique needs and circumstances.
Why Choose a Mortgage Broker?
Using a mortgage broker can save you time and money. We have access to a much wider range of lenders than high street banks, which can lead to cost savings through lower monthly payments, free valuations, and lender-funded solicitors. Additionally, we can help clients with specialist needs, such as self-employed individuals, those with multiple income streams, or those with adverse credit issues. We also offer flexible appointment times, including evenings and weekends, to accommodate busy schedules.
What We Can Help With
Our services are designed to assist with a range of mortgage-related needs, including:
- First-time buyers looking to purchase their first home
- Home movers seeking to upgrade or downsize
- Remortgagors looking to restructure their existing mortgage or secure a better deal
- Buy-to-let investors seeking to purchase or remortgage a property
- Portfolio landlords managing multiple properties
- Clients seeking to purchase a property through Help to Buy
- Those looking to purchase a property through Shared Ownership or Right to Buy schemes
Our Process
Our process is designed to be smooth and efficient, with the following key stages:
1. Initial Discussion: We begin by discussing your needs and objectives to determine whether we can assist.
2. Fact Find: We gather the necessary information, including personal and financial details, to assess your eligibility for a mortgage.
3. Research: We research the whole mortgage market to find a suitable lender for your needs.
4. Decision in Principle: If required, we can obtain a Decision in Principle from the lender, providing proof of approval.
5. Application: We will require proof of your ID, address, and income, and guide you through the application process.
6. Valuation and Mortgage Offer: Once all documentation is received, the lender will conduct a valuation, and you will receive your mortgage offer.
Community Involvement
We are proud to be a part of the local community in Wolverhampton and Birmingham, and we are committed to supporting local businesses and initiatives. We work closely with local authorities, including Wolverhampton City Council, and are affiliated with local institutions, such as the University of Wolverhampton and Wolverhampton Wolves FC Football Club.
Property Expertise
Andrew (Andy) has received glowing reviews for his expertise in property-related matters. Emily Murphy and Kyle Silk, both high-star reviewers, have had the pleasure of working with him over the years and have been thoroughly impressed by his knowledge and dedication.
Attentive Service
Both reviewers have highlighted Andrew's exceptional customer service. Emily praises his helpfulness, quick responses, and willingness to go the extra mile to ensure a smooth transaction. Andrew's efficiency and attention to detail have been particularly noteworthy, ensuring that Emily's mortgage and remortgage processes ran smoothly.
Personal Relationships
Emily's review reveals that Andrew has not only been a valuable professional but also a trusted friend. She commends his friendly and approachable nature, making her feel at ease throughout the process. Similarly, Kyle's review mentions Andrew's exceptional expertise and vast knowledge, which has earned him a recommendation from Kyle.
Conclusion
Andrew's commitment to providing exceptional service, his extensive knowledge of the property market, and the strong personal relationships he fosters with his clients have resulted in a flawless reputation.
