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Mortgage Broker Carmarthen – Access 170+ Lenders






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Specialist Lenders

Solutions for Complex Income and Bad Credit, to Boost Your Approval Chances

Quick Mortgage Approvals

Fast Approval from Over 170+ Specialist Lenders

Flexible appointments

Flexible online, office, or after-hour phone appointments available

What Clients Say About Working With Me

Common Problems With Mortgages

Maybe, you may have come accross these common problems

  • Meeting affordability and income requirements
  • Overcoming credit score challenges
  • Saving for a sufficient deposit
  • Understanding complex lending criteria
  • Navigating the application process
  • Securing competitive interest rates
  • Managing self-employment or variable income
  • Balancing existing debts and financial commitments
  • Adjusting to recent changes in employment or career
  • Accessing tailored guidance and specialist advice

 

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.

Challenges in Securing a Mortgage

Challenges in Securing a Mortgage

  • Strict Eligibility and Lender Criteria
    Mortgages often come with high deposit requirements, stringent affordability checks, and rate fluctuations—particularly challenging for first-time buyers or those with varied income sources. Working with an experienced mortgage broker can help you meet these requirements with ease.
  • Complex Requirements for Self-Employed and Company Directors
    Self-employed individuals and company directors often face added scrutiny, from larger deposit needs to detailed cash flow assessments. With guidance from a specialist broker, these hurdles become manageable, helping you secure competitive rates.
  • Limited Options for Complex Income Structures
    Borrowers with freelance, rental, or other non-traditional income may be seen as higher risk by lenders. A broker with extensive lender access can help you find mortgages with flexible criteria, including options without minimum income requirements.
  • The Value of Experienced Support
    Navigating the mortgage process alone can lead to missed opportunities and potential setbacks. With over 30 years of expertise and access to 170+ lenders, I make the process straightforward, helping you secure a mortgage that aligns with your unique financial profile.

Ready to find the right mortgage for you?

Call me today on 01267 887434 or Book Your Complimentary Mortgage Review

Why Choose Me as Your Mortgage Broker

Dedicated one-to-one personal service, focused solely on your mortgage needs

Specialist Buy-to-Let Mortgage Broker

Hi, I'm Lyndsey!

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 are a first-time buyer stepping onto the property ladder, a homeowner seeking a more favourable rate, or an investor managing a complex portfolio, I am here to provide expert guidance every step of the way.

Throughout my career, I have 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 mortgage broker who prioritises your needs and understands the nuances of the mortgage market.

My mission?

To simplify mortgages and help you save money with better rates.

Professional Credentials You Can Trust

As a member of the London Institute of Banking & Finance (LIBF), I adhere to the highest professional standards, ensuring you receive expert and ethical financial advice you can trust.

Making Mortgages Simple and Stress-Free

Professional woman on a phone call at her desk, captioned 'Finding the Right Mortgage Doesn’t Have to Be Complicated – It starts with a phone call,' illustrating a simple four-step mortgage process

Mortgage Advice in

4 Simple Steps

Follow These Four Simple Steps to Secure Your Mortgage:

  1. Book your complimentary consultation to discuss your goals and understand the best options available.
  2. Receive a personalised mortgage strategy that aligns with your investment needs and financial profile.
  3. Match with the right lender and get support through every step of the application process to ensure a smooth experience.
  4. Finalise your mortgage with confidence, knowing I am here to answer any questions and provide ongoing support.

 

From consultation to completion, I am here to guide you every step of the way until you receive the keys to your investment property.

Smarter Mortgages. Less Stress. More Savings

Discover insider tips and expert advice to secure the perfect mortgage – and reduce your monthly payments.

Mortgage Case Studies

Case Study 1: Helping a Company Director Secure a Buy-to-Let Mortgage Through a Special Purpose Vehicle (SPV)

Client Profile:
Gareth, a company director based in Carmarthenshire, was looking to expand his property portfolio by purchasing a buy-to-let through a newly established Special Purpose Vehicle (SPV). His income was a mix of a low salary, irregular dividends, and retained profits within the business.

Challenges:

  • Gareth’s income structure didn’t fit the standard lending criteria used by high-street banks.

  • He was unsure how to use his SPV for the mortgage and concerned lenders wouldn’t recognise retained profits.

  • Several lenders had already turned him down or offered significantly reduced borrowing limits.

  • Time was tight — the property had strong rental potential and was attracting competing offers.

Traditional lenders were hesitant due to her low credit and lack of income, making securing a mortgage complex.

Solution:

I assessed Gareth’s income holistically, looking beyond salary and dividends to include retained profits. By accessing my panel of over 170 lenders, I identified a specialist lender comfortable with SPV structures and company director income profiles. I prepared the case with detailed documentation to clearly demonstrate affordability and the SPV’s setup.

Outcome:

  • Gareth was approved for the full loan amount at a competitive interest rate.

  • The lender accepted his retained profits, enabling him to borrow more than traditional lenders had offered.

  • The application was approved quickly, allowing him to secure the property ahead of other buyers.

  • Gareth is now growing his portfolio and using the same SPV structure for future purchases.

Takeaway:
When your income doesn’t fit the high-street mould, expert advice makes all the difference. As a specialist mortgage broker in Carmarthen, I help company directors unlock better borrowing potential with smart structuring and lender access that delivers results.

Case Study 2: Expert Mortgage Advice Empowers a Buy-to-Let Landlord’s Investment Growth

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.

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Access Better Deals and Reduce Your Monthly Repayments with Tailored Mortgage Options from 170+ Lenders

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Let’s Discuss Your Mortgage Needs Today!

I’ve helped countless clients in West Wales and beyond secure better mortgage deals – let’s explore what’s possible for you.
 
Contact me today on 01267 887434 or book your complimentary mortgage review today
 

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