# Andrew Timmins - Free Mortgage Broker

Andrew Timmins is an independent mortgage broker based in Bilston, serving clients across Birmingham, Wolverhampton, and Walsall in the West Midlands. The business specialises in providing expert mortgage advice and brokerage services tailored to diverse client circumstances and financial situations.

The broker caters to a wide range of borrowers, from first-time buyers taking their initial step onto the property ladder, to experienced property investors seeking buy-to-let arrangements. Andrew Timmins also works with self-employed individuals who face stricter lending criteria, those with poor credit histories requiring specialist mortgages, and individuals on visa statuses including skilled worker and spouse visa holders—a notably underserved demographic in the mortgage market.

What distinguishes this broker is the comprehensive, fee-free approach to mortgage advice. Rather than operating within limitations of a single lender, Andrew Timmins accesses the entire mortgage market, ensuring clients receive genuinely competitive rates and terms. The service extends beyond mortgages into complementary protection products, including life insurance and income protection cover, providing holistic financial planning.

The broker demonstrates particular expertise in niche mortgage products including offset mortgages and remortgaging solutions for those looking to restructure existing debt. This combination of extensive market access, specialist knowledge across complex lending scenarios, and the absence of broker fees positions Andrew Timmins as an accessible resource for West Midlands borrowers seeking straightforward, expert guidance.