Carmarthen-based, UK-wide service
Mortgages for Over 50s – Borrow More, Keep Your Home, Enjoy Retirement
Fast, flexible mortgage solutions with no pressure to move — stay in control and borrow confidently into later life.
Find Out What You Could Borrow Today
✔ Confidential | ✔ No Obligation | ✔ FCA Registered
Flexible Age Requirements
Available to those 50+ with no age limit
Interest-Only Mortgages
Reduce Your Monthly Mortgage Costs
Remortgage Solutions
Unlock Funds for a Better Retirement | Home Improvements or Debt Consolidation
Proven Results for Clients Across the UK
Clients across the UK trust me for expert mortgage advice tailored to later-life needs. Here’s what they have to say
Ready to explore your mortgage options over 50? Let’s talk
Why Even Strong Over-50s Get Declined – And How I Help
Even if you have a good income, savings or pension, lenders often still say no
Here’s why — and how we work around it.
✔ Lenders don’t accept your pension or investment income.
✔ Interest-only repayments are declined without a rigid repayment plan.
✔ You’re offered poor deals because you’re over a certain age.
⚡ If this sounds familiar, it’s not your fault — it’s just that most lenders don’t understand later-life borrowers. That’s where my specialist advice makes all the difference.
Who This Is Ideal For
✔️Clients with pension drawdown, investment income or part-time earnings
✔️Homeowners with interest-only mortgages reaching term
✔️Anyone who wants to avoid selling or downsizing
✔️Borrowers aged 50 to 90+
How I Make Mortgages for Over 50s Simpler — and Smarter
🔍 Tailored Advice Built Around Your Retirement IncomeWhether you draw from pensions, investments or part-time earnings, I match your mortgage to your actual financial position.
🏡 Specialist Lenders for Later-Life BorrowersAccess to over 170 lenders including those who understand pension income, flexible affordability, and future downsizing plans.
🧡 One-to-One Support — No Call CentresYou deal with me directly. Personal, transparent, expert advice from start to finish.
🧠 30+ Years Helping Clients Like YouFrom lifetime mortgages to short-term remortgages, I’ve helped hundreds of people over 50 secure the right deal with confidence.
Keep your home, not sell it
Lower monthly payments
Borrow into retirement with confidence
Why Work With a Specialist Later-Life Broker?
Hi, I'm Lyndsey!
✔️ 30+ years’ experience helping clients across the UK
✔️ Specialist knowledge of over 50s, later life, and retirement mortgages
✔️ Access to lenders who go beyond the high street
✔️ A personal, one-to-one service
✔️ Clear answers and guidance without jargon
My mission?
Simplifying Mortgages for Over 50s!
Let’s Simplify Your Mortgage for Over 50s in Just 4 Steps
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.
The Over-50s Guide to Interest-Only Mortgages:
Borrow More, Stay Independent, and Keep Your Home
Case Study of Mortgages For Over 50s
Case Study 1: Helping Chris and Sue Regain Financial Freedom
👩💼 Client Profile:
Chris and Sue, both aged over 50, wanted flexible borrowing options to support their retirement lifestyle without downsizing.
⚠️ The Challenge:
• Struggled to find lenders offering mortgages into retirement
• Wanted to access equity while keeping monthly repayments low
• Needed flexible terms that respected their pension and investment incomes
🔍 My Solution:
• Matched them with a specialist later-life lender offering flexible affordability assessments
• Secured a flexible mortgage allowing interest-only payments to reduce outgoings
✅ Outcome:
• Chris and Sue stayed in their family home without financial pressure
• Lower monthly repayments gave them greater freedom to enjoy life and travel
• Peace of mind knowing they had a tailored solution for their needs
💬 Client Testimonial:
“Lyndsey made everything clear, easy, and stress-free. We’re so grateful for the personal service and brilliant outcome!”
– Susan, Pembrokeshire
Trusted Partners for Your Mortgage Needs
Access Better Deals and Reduce Your Monthly Repayments with Tailored Mortgage Options from 170+ Lenders
Discover Your Mortgage Options After 50
Providing tailored mortgage solutions for borrowers over 50 — including interest-only and later-life options designed around your goals
Call me today on 01267 887434 or book your review
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.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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.