Carmarthen Based – UK Wide Service
Carmarthen Based – UK Wide Service
Solutions for Complex Income and Bad Credit, to Boost Your Approval Chances
Fast Approval from Over 170+ Specialist Lenders
Flexible online, office, or after-hour phone appointments available
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.
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 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.
To simplify mortgages and help you save money with better rates.
Mortgage Advice in
4 Simple Steps
📞 Step 1: Book Your Complimentary Mortgage Review
Send an enquiry and I’ll give you a call to understand your situation and what you’re looking to achieve.
🔍 Step 2: I’ll Search Rates from Over 170 Lenders
I compare fixed-rate deals across a wide panel of lenders—so you get a competitive rate that fits your needs and budget.
📝 Step 3: I’ll Handle the Application for You
No stress, no chasing forms—I take care of the paperwork and liaise with the lender on your behalf.
📦 Step 4: Relax While I Keep You Updated
You’ll receive regular updates throughout the process—all the way through to mortgage offer and completion.
Smarter Mortgages. Less Stress. More Savings
Discover insider tips and expert advice to secure the perfect mortgage – and reduce your monthly payments.
👩💼 Client Profile:
Emily & Tom – a self-employed couple in Carmarthen, buying their first home. They had a strong trading history and a solid deposit but needed more borrowing than most lenders were willing to offer.
⚠️ The Challenge:
First-time buyers struggling to secure enough borrowing for their dream home
Income made up of salary, dividends, and retained profits
Declined by high street lenders
Most lenders averaged earnings over two years, which lowered their affordability
🔍 My Solution:
Reviewed their accounts and worked closely with their accountant
Sourced a lender who:
Used 100% of the most recent year’s income
Included retained profits in the affordability calculation
Allowed higher income multiples—ideal for first-time buyers with strong earnings
✅ Outcome:
Conducted a detailed review of their accounts and liaised directly with their accountant
Secured a lender who assessed affordability based on the latest figures
Enabled them to borrow more and purchase their first home without compromise
💬 Client Testimonial:
“As a company director, I wasn’t sure I’d be able to borrow enough to secure the buy-to-let property I had my eye on. But with Lyndsey’s expert guidance and access to specialist lenders, I secured the higher borrowing I needed. I now own a solid investment property and have a clear strategy in place to grow my portfolio.”
— Emily, Carmarthen
👩💼 Client Profile:
Emily & Tom – a self-employed couple in Carmarthen, buying their first home. They had a strong trading history and a solid deposit but needed more borrowing than most lenders were willing to offer.
⚠️ The Challenge:
• First-time buyers struggling to secure enough borrowing
• Income made up of salary, dividends, and retained profits
• Declined or restricted by high-street lenders due to complex income
• Most lenders averaged earnings over two years — lowering affordability
🔍 My Solution:
• Reviewed their accounts and worked closely with their accountant
• Sourced a lender who:
✔️ Used 100% of the most recent year’s income
✔️ Included retained profits in the affordability calculation
✔️ Allowed higher income multiples ideal for first-time buyers with strong earnings
✅ Outcome:
• Approved for £45,000 more than other lenders offered
• Secured a competitive fixed-rate mortgage with manageable payments
• Bought their first home in Carmarthen — with space for their future plans
💬 Client Testimonial:
“As first-time buyers, we didn’t think we’d be able to borrow enough — but Lyndsey knew exactly how to present our income and found a lender that made it happen. We’re now in our dream home.”
— Emily & Tom, Self-Employed Buyers
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.
