Carmarthen-Based, UK-Wide Service
Solutions for Complex Income and Bad Credit, to Boost Your Approval Chances
Fast, Reliable Approval from Over 170 Specialist Lenders
Flexible online, office, or after-hour phone appointments available
Challenges in Securing a Mortgage
Ready to find the right mortgage for you?
Call me today on 01267 887434 or Book Your Complimentary Mortgage Review
As an experienced mortgage broker with over 30 years in the industry, I understand the wide range of challenges people face when securing the right mortgage, finding better rates, or exploring remortgaging options. Whether you’re a first-time buyer stepping onto the property ladder, a homeowner seeking a more favourable rate, or an investor managing a complex portfolio, I’m here to provide expert guidance every step of the way.
Throughout my career, I’ve helped countless clients secure mortgages tailored to their unique goals, financial circumstances, and future plans. Unlike traditional banks, I offer a truly personalised service, providing you with direct access to a dedicated adviser who prioritises your needs and understands the nuances of the mortgage market.
To help homeowners, get better rates to lower their mortgage repayments.
Maybe, you may have come accross these common problems
Each of these obstacles can impact your journey to securing the right mortgage. Having a knowledgeable broker with the right lender connections can significantly boost your chances of finding a mortgage solution that aligns perfectly with your unique financial situation.
Client Profile:
Our client, a seasoned professional, had worked in her field for nine years before launching her own limited company. Seeking her first mortgage to build financial security and independence, she faced eligibility challenges due to her recent self-employment status and complex income structure.
Challenges:
As a first-time buyer with income from salary, dividends, and profits, traditional lenders viewed her limited trading history as a risk.
Solution:
By leveraging my connections with over 170 lenders and exploring options for complex income cases, I secured her the mortgage she needed, enabling her to enter home ownership with confidence.
Outcome:
With my personalised support, she successfully purchased her first home, demonstrating that self-employed professionals can achieve their homeownership goals with the right guidance.
Takeaway:
If you’re self-employed or have complex income, I can connect you with lenders who understand your unique situation. Contact me to secure the right mortgage for your financial future.
Client Profile:
Our client, a recent university graduate, was relocating for a new job starting in three months and wanted to buy her first home rather than rent. With no credit history, she had a low credit score, and to cover the deposit gap, her mother provided a gifted deposit.
Challenges:
As a first-time buyer, she faced several obstacles:
Traditional lenders were hesitant due to her low credit and lack of income, making securing a mortgage complex.
Solution:
Utilising my connections with over 170 lenders, I found those open to first-time buyers with unique profiles. After thorough discussions, I secured a lender who recognised her future income potential, accepted her mother’s gifted deposit, and allowed for a guarantor.
Outcome:
With personalised support, she achieved homeownership, moving in before her new job began and avoiding the rental market. Despite limited financial history, she established a solid foundation for her future.
Takeaway:
If you’re a first-time buyer with a low credit score, limited deposit, or need family assistance, I can connect you with lenders who understand unique situations.
Background:
Our client, a higher-rate taxpayer and experienced professional, owned a portfolio of five Buy-to-Let properties. With solid income and a goal to expand, he sought to remortgage one property—a single unit with four flats under one title—to fund a new investment.
Challenges:
This property structure posed challenges, as many lenders require separate leases for each unit. Additionally, as a higher-rate taxpayer, he needed a solution that maximised tax efficiency and investment return.
Solution:
Drawing on my expertise in Buy-to-Let and access to specialist lenders, I identified a provider open to complex property structures. This approach enabled the client to successfully remortgage, unlocking capital for further investment.
Outcome:
With the remortgage secured on competitive terms, he reinvested in his portfolio, increasing his long-term investment potential. He gained confidence and peace of mind, knowing he had a tailored strategy for continued growth.
Reflection:
This case highlights the critical role of specialist advice in Buy-to-Let financing, especially for unique property setups and tax considerations. It demonstrates how experienced brokerage can align complex needs with optimal financial outcomes.
Mortgage Advice in
4 Simple Steps
Follow These Four Simple Steps to Secure Your Buy-to-Let Mortgage:
From consultation to completion, I’m here to guide you every step of the way until you receive the keys to your investment property.
West Wales Money
Unit 4 St Catherine’s Walk
Carmarthen
SA31 1GA
Tel: 01267 887434 or Email: info@westwalesmoney.co.uk
West Wales Money Ltd is registered with the Data Protection Act 2018 registration No ZA579253 and is authorised and regulated by the Financial Conduct Authority under Firm Reference No:1005183 an Appointed Representative of TMG Direct Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference No: 786245 and registered with the Data Protection Act 1998 registration No: ZA178200.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.