Think You've Got the Best Mortgage Deal? Most People Do – Until They Speak to Me

Discover how to save money with expert 1-2-1 advice and access to 170+ lenders offering better rates

Find Out How Much You Could Borrow

✔ Confidential | ✔ No Obligation | ✔ FCA Registered

Access to 170+ Lenders

Discover the best deals for you — even for complex or non-standard income

Self-Employed & Director Friendly

Tailored solutions for limited companies, dividends, or retained profits

Fast, Stress-Free Process

I’ll handle everything — applications, admin, and lender calls.

Trusted by Local Homebuyers and Recommended by Professionals

Discover Why Locals Trust Me — From Carmarthen to Cardigan

⭐⭐⭐⭐⭐ “Rated 5 Stars by Clients Across West Wales” Real feedback from homeowners, directors & first-time buyers

Common Mortgage Challenges – Made Simple

Struggling to Get Approved for a Mortgage? You’re Not Alone

Turned down by your bank?
Confused by rates and jargon?
Struggling with self-employed or director income?
Unsure how much you can borrow?

These challenges can feel overwhelming — but you’re not alone.

💡Your’re Not Alone – How I can Help

✔I translate complex terms into simple language

✔I guide you step-by-step from search to approval

✔I work with 170+ lenders, including those who understand complex cases

🎯 Ready to Take the Next Step?

Whether you’re self-employed, a first-time buyer, or have been turned down elsewhere — I’ll guide you to the right mortgage, stress-free.

🏠 Mortgage Help

Speak to me now about your mortgage — I’m here to help!

Get Expert Advice & Better Rates Now

Why Choose Me as Your Mortgage Broker

📞 Need Advice Today

Ready to discuss your mortgage needs? Call me directly today!

Book Your Discovery Call: 07508 147884

Hi, I'm Lyndsey!

I’m a local mortgage expert based in Carmarthen, helping landlords, company directors, and self-employed professionals across West Wales and beyond.

With over 30 years’ experience, I specialise in securing tax-efficient Buy-to-Let mortgages, including limited company structures and complex income cases. Whether you’re starting out or expanding your portfolio, I’ll guide you to borrow more, pay less tax, and structure your mortgage for long-term success.

I also work with international landlords investing in high-value UK property. Every recommendation is tailored — with personal, regulated advice that puts your financial goals first.

My mission?

Discover how the right mortgage strategy can help you reduce costs and borrow more — giving you the best outcome on your journey to securing your forever dream home.

Making Mortgages Simple and Stress-Free

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.

🏢 Need Mortgage Advice Today!

Got Mortgage questions? I'm only call away for expert advice!

Ready to Save? Get 1-2-1 Advice Today

Smarter Mortgages. Less Stress. More Savings

Learn how to avoid mistakes and get better mortgage deals every time.

Real Results for Clients Like You

🏡Case Study 1: Securing a Fixed Rate for a First-Time Buyer

👩‍💼 Client Profile

Sophie & Tom D. – a self-employed couple in Pembrokeshire buying their first home. They had a strong trading history and a solid deposit but needed to borrow more than most lenders were willing to offer.

⚠️ The Challenge

First-time buyers struggling to borrow enough for their dream home
Income made up of salary, dividends, and retained profits
Declined by high street lenders due to complex income
Most lenders averaged earnings over two years, which reduced affordability

🔍 My Solution

Reviewed their company accounts in detail and worked closely with their accountant
Sourced a specialist lender who:

✔️ Used 100% of the latest year’s income
✔️ Included retained profits in the affordability calculation
✔️ Allowed higher income multiples – ideal for directors 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.”
— Sophie D, Carmarthen

Case Study 2: Borrowing More with Complex Income

👩‍💼 Client Profile
Owain & Carys, self-employed in Llandeilo

⚠️ The Challenge
Turned down by high-street lenders due to complex income made up of salary, dividends, and retained profits.

🔍 My Solution
I worked closely with their accountant and sourced a specialist lender who used 100% of their latest income — including retained profits — and allowed higher income multiples.

✅ Outcome
They were approved for £45,000 more than any bank had offered, secured a competitive fixed rate, and bought their ideal first home.

💬 Client Testimonial
“We were turned down by banks because of our income setup, but Lyndsey found a lender who saw the full picture. We secured £45k more than expected and bought our first home in Llandeilo.”
— Owain & Carys, Self-Employed Buyers