Carmarthen Mortgage Broker – UK Wide Service
Carmarthen Mortgage Broker – UK Wide Service
Better deals, broader options — even for complex or non-standard income
Tailored solutions for limited companies, dividends, or retained profits
I’ll handle everything — applications, admin, and lender calls.
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.
✔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
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.
With over 30 years’ experience, I provide tailored advice for:
Company directors & self-employed
First-time buyers
Buy-to-let investors
Those with complex income
What sets me apart?
✔️ Personal advice, start to finish – No call centres or hand-offs. You’ll deal directly with me throughout.
✔️ Solutions tailored to you – I base my recommendations on your income, goals, and situation — never off-the-shelf products.
✔️ Lower repayments, smarter borrowing – I’ll help you access better rates and reduce long-term costs.
✔️ A hassle-free process – I manage everything: paperwork, applications, and lender calls, so you don’t have to.
✔️ Truly independent guidance – I work solely in your interest, not the lender’s — always focused on the best outcome for you.
✔️ Access to 170+ lenders – Including exclusive deals unavailable on the high street or comparison sites.
To make mortgages simple — helping you get a better deal, save money, and feel confident every step of the way.
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
Learn how to avoid mistakes and get better mortgage deals every time.
👩💼 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
👩💼 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
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.
