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EXCELLENT Based on 24 reviews Fiona Hobden2025-03-07Trustindex verifies that the original source of the review is Google. Excellent service, understood what we needed & helped us achieve the outcome we were looking for. Jayne Williams2025-02-11Trustindex verifies that the original source of the review is Google. Lyndsey has been brilliant. He made the whole process easy, and whenever any issues came up, he was there to help whenever we needed it. He has made the daunting process of securing a mortgage easy for us. I would highly recommend him to anyone who is looking to get a mortgage He really was a godsend. Ian Craig2025-01-24Trustindex verifies that the original source of the review is Google. I wholeheartedly give Lyndsey Rowe at West Wales Money a top review. He's helped my wife and I navigate the challenges of raising two mortgages while owning our own small businesses (which makes it much more difficult than being employees). He's incredibly patient and accurate with his advice, and we're now happily in a position to go shopping for the house of our dreams! Daniel Butler2025-01-21Trustindex verifies that the original source of the review is Google. Lyndsey was very helpful and thoughtful. He got us the best possible mortgage for our needs, and he guided us clearly through every step of the process. Whenever we needed any advice he was quick to respond and gave us the best advice. Highly recommend to anyone who is in need of a mortgage and needs guidance through it all. Agota Bajko2024-12-16Trustindex verifies that the original source of the review is Google. We had an excellent experience working with Lyndsey as our mortgage adviser. He is dedicated, prompt, and highly professional. Lyndsey was always quick to respond and helped us with everything we needed, making the entire process smooth and stress-free. His expertise and support exceeded our expectations, and we are extremely happy with the service he provided. Without hesitation, we would choose him again in the future and highly recommend his services! Merry Christmas, Lyndsey! 🎁🎄 tamsin williams2024-11-01Trustindex verifies that the original source of the review is Google. Lyndsey has been very useful throughout my mortgage application process and he answered any and all questions I had. He has a lot of knowledge in this area and is very good at explaining the jargon that I couldn't get my head around! Applying for a mortgage can be a somewhat stressful experience but I felt a lot more comfortable knowing I had an expert helping me along the way and taking care of all the big scary stuff! Bradley Mitchell2024-10-25Trustindex verifies that the original source of the review is Google. Very help full always available to speak to and dose stuff time efficient witch is very helpfull buying investment properties Recommend to anyone considering Gareth Abbott2024-10-09Trustindex verifies that the original source of the review is Google. Lyndsey has helped us get our first mortgage offer. As first time buyers, Lyndsey has guided us through every stage of the process, making himself available whenever we've needed extra support or explantation. We would thoroughly recommend Lyndsey to anyone looking for a broker. aleem tufail2024-09-11Trustindex verifies that the original source of the review is Google. From start to finish Lyndsey has just been a pleasure to work with. His advice was honest and his recommendations have been carefully thought out based on my personel requirements. Will be using him for all future borrowing and certainly would recommend him to all. He has been efficient and organised at all stages. Osama Al-Saied2024-08-07Trustindex verifies that the original source of the review is Google. Lyndsey was a pleasure to deal with from start to finish. He helped me with my first time buy and explained the process to me, answering any questions I had (and there was lots of them). He is very quick to reply and gives regular updates. What I really liked about him is how thorough he is from the beginning which makes the application process a lot smoother. I highly recommend him!
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
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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.
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From consultation to completion, I am here to guide you every step of the way until you receive the keys to your investment property.
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Discover insider tips and expert advice to secure the perfect mortgage – and reduce your monthly payments.
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.
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.
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.