Timmins Financial Planning

Welcome to our mortgage brokerage service, proudly serving the Wolverhampton and Birmingham areas for over two decades. Over the years, we have had the pleasure of arranging hundreds of mortgages for clients with a wide range of needs and circumstances. Our experienced team is dedicated to providing fee-free mortgage advice, ensuring that you have the best possible chance of securing the most suitable mortgage for your individual situation.

Our Services

We offer a comprehensive range of mortgage-related services, each tailored to meet the unique needs of our clients. Our services include:

• *First Time Buyers in Wolverhampton & Birmingham:* As a first-time buyer, the process of securing a mortgage can be daunting. We are here to guide you through the process, ensuring that you understand the various mortgage options available to you and the associated costs.

• *Home Movers in Wolverhampton & Birmingham:* Whether you are looking to upsize, downsize, or simply move to a different area, we can help you find the right mortgage to facilitate your move.

• *Remortgages in Wolverhampton & Birmingham:* If you are coming to the end of your current mortgage deal, we can help you explore the options available for remortgaging. This could result in lower monthly payments, releasing equity, or consolidating debt.

• *Free Buy to Let Mortgage Advice in Wolverhampton & Birmingham:* If you are looking to invest in the buy to let market, we can help you find the most suitable mortgage deal. Our whole-of-market approach ensures that we consider all options available, not just those offered by high street lenders.

• *Portfolio Landlord Buy to Let Mortgages in Wolverhampton & Birmingham:* As a portfolio landlord, you may have specific mortgage needs. We have access to a wide range of lenders who specialise in providing mortgages for landlords with multiple properties.

• *Help to Buy remortgages in Wolverhampton & Birmingham:* If you have taken advantage of the Help to Buy scheme, we can help you when it comes to remortgaging. Our expertise in this area ensures that you can switch to a better mortgage deal while keeping within the rules of the scheme.

• *Shared Ownership Mortgages in Wolverhampton & Birmingham:* Shared ownership schemes can be a great way to get on the property ladder. We can help you find the most suitable mortgage for your shared ownership property.

• *Right to Buy Mortgages in Wolverhampton & Birmingham:* If you have the right to buy your council house, we can help you find the right mortgage deal. Our whole-of-market approach ensures that we consider all options available, not just those offered by high street lenders.

• *Life and Critical Illness Insurance:* We can help you protect your family and your home with life and critical illness insurance. Our policies are tailored to meet your individual needs and circumstances.

• *Income Protection Insurance:* Income protection insurance provides peace of mind, ensuring that you have an income if you are unable to work due to illness or injury. Our policies are suitable for both employed and self-employed workers.

Why Use a Mortgage Broker?

Using a mortgage broker can save you time, money, and stress. With access to the whole mortgage market, we can find a suitable lender for your requirements, even if your own bank has said no. We can also help you save money by securing lower monthly payments, free valuations, and lender-funded solicitor fees with many of our products. Our flexible hours mean that we can arrange appointments at a time that suits you, often much quicker than you can get an appointment at a local branch.

How the Process Works

The process of securing a mortgage with our help is straightforward. It begins with an initial discussion, during which we can discuss your requirements and see if we can help. If you are then happy to proceed, we will move on to the fact find stage. This involves collecting full name, date of birth, address history for the latest three years, and details of employment status, income, financial commitments, and other outgoings. We will also discuss deposit available, monthly budget, and interest rate options, as well as any requirements for life insurance and other protection needs.

Once we have all the necessary information, we will research the whole mortgage market to find a suitable lender for your requirements. Illustrations can be provided for you to view, and once you are happy to proceed, we can get a decision in principle from the lender. This will give you proof that you have been approved for a mortgage, which is essential if you are purchasing a new property. The final stage involves providing the lender with proof of your ID and residential address, and income. Once the lender has been provided with the paperwork requested, a valuation is conducted and you should receive your mortgage offer.

Information about Wolverhampton

Wolverhampton is a city located in the West Midlands of England, with a rich history dating back to the 10th century. The city is home to Wolverhampton Wanderers Football Club, Wolverhampton City Council, and the University of Wolverhampton. With a vibrant city centre and a wealth of cultural attractions, Wolverhampton is a great place to live and work.