Carmarthen-based, UK-wide service
First Time Landlord Mortgages - Made easy
Tailored mortgage advice for first time landlords – avoid costly mistakes, access exclusive deals, and get personal guidance every step of the way
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First-Time Landlord Mortgages
Access 170+ Lenders to Secure the Best Buy-to-Let Deal for Your First Property
Limited Company BTL Mortgages
Maximise Tax Efficiency & Secure Better Rates with Specialist Limited Company Mortgages
Mortgages for Complex Income
Get Approved Even with Irregular, Self-Employed, or Multi-Source Income
What Clients Say About Working With Me
Common Problems with First Time Landlord Mortgages
Maybe, you may have come accross these common problems
- Managing a Complex Property Portfolio
- Securing Improved Remortgage Deals
- Entering the Buy-to-Let Market
- Seeking a Limited Company Mortgage
- Understanding Detailed Lending Criteria
- Overcoming Past Mortgage Refusals
- Balancing Time Constraints and Stress
- Requiring Specialist Guidance
Each of these challenges can impact your ability to secure buy-to-let mortgage rates that meet your goals. With my connections to specialist lenders, I improve your chances of approval and securing the best landlord mortgage rates for multiple properties
Why Choose Me as Your Broker
Dedicated one-to-one personal service, focused solely on your mortgage needs
Hi, I'm Lyndsey!
As a specialist buy-to-let mortgage broker with over 30 years of industry experience, I understand the unique challenges that property investors face. Whether you’re a seasoned investor managing a complex property portfolio or a first-time landlord looking to make a confident start, I’m here to provide expert guidance every step of the way.
Over the years, I’ve helped countless clients secure tailored buy-to-let mortgages that align with their goals, financial situations, and long-term investment plans. Unlike traditional banks, I offer a truly personalised service, giving you direct access to a dedicated adviser who prioritises your needs and understands the intricacies of the buy-to-let market.
My mission?
Simplifying SPV Mortgages!
Difficulties in Obtaining SPV Mortgages
Simplifying SPV Mortgages for First Time Landlords
Buying your first Buy-to-Let property through a Special Purpose Vehicle (SPV) limited company? You’re not alone—and you’re wise to consider a tax-efficient approach. But navigating the mortgage process as a first time landlord with an SPV can feel overwhelming.
Many lenders have stricter criteria when it comes to SPVs, with added layers of scrutiny around your company structure, director income, and even your long-term plans. Some will only lend to specific types of companies. Others may ask for detailed projections or evidence of property experience—which, as a first-time landlord, you may not yet have.
Without expert guidance, it’s easy to hit roadblocks: delayed applications, declined offers, or missed opportunities to secure competitive rates. Lender requirements vary widely, and understanding what each one needs can be time-consuming and frustrating.
That’s where I come in.
With over 30 years of experience helping clients navigate complex mortgage criteria, I specialise in supporting new landlords—especially those taking their first steps into Buy-to-Let through limited companies. I’ll walk you through the process, explain what lenders expect, and structure your application to give you the strongest possible start.
From helping you understand how rental yields are assessed, to guiding you through director guarantees and SPV setup requirements, I make sure every detail is covered—so you feel confident, informed, and in control.
You only get one chance to do it right the first time.
When you work with me, you’ll receive personalised advice, direct access to expert support, and a clear roadmap to securing your first Buy-to-Let mortgage through an SPV—all without the jargon.
Let’s Get Started
Want to make your first Buy-to-Let purchase simple, strategic, and stress-free? Call me on 01267 887434 or click below to book your complimentary mortgage review. When you work with me, you’ll have direct access to specialist advice with a human touch.
Pay Less, Earn More The Ultimate Guide to Buy-to-Let Mortgages
Unlock Essential Strategies for Securing the Best Buy-to-Let Mortgages
Professional Credentials You Can Trust
As a member of the London Institute of Banking & Finance (LIBF), I adhere to the highest professional standards, ensuring you receive expert and ethical financial advice you can trust.
First Time Landlord Mortgage Case Studies
Case Study 1: Helping a Company Director Secure a Buy-to-Let Mortgage Through a Special Purpose Vehicle (SPV)
👩💼 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.
⚠️ The Challenge:
• 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 that 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 his low declared income, making it difficult to secure a mortgage
🔍 My 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 now has three properties in his portfolio and is using the same SPV structure for future purchases
💬 Client Testimonial:
“I didn’t think I could get a buy-to-let mortgage that fit my needs as a company director. Thanks to Lyndsey, I now own a great investment property and have a clear path to growing my portfolio.”
— Gareth, Company Director
Case Study 2: Assisting an Experienced Portfolio Landlord with a Remortgage on a Multi-Unit Property and Complex Income Structure
👩💼 Client Profile:
Anthony, a seasoned landlord with multiple rental properties, was looking to remortgage a high-value, multi-unit property to free up capital for additional investments. His income included both rental income and limited company dividends, making it difficult to meet conventional mortgage criteria.
⚠️ The Challenge:
Despite Anthony’s experience and established portfolio, traditional lenders were hesitant due to his varied income streams and the multi-unit property setup on a freehold lease. These complexities often make securing favourable remortgage terms difficult.
🔍 My Solution:
I sourced a specialist lender skilled in handling complex income profiles and multi-unit properties. I recommended a flexible, interest-only mortgage that improved cash flow and kept payments manageable. I also advised on leveraging his limited company dividends, ensuring the lender recognised his full income — allowing him to confidently pursue further investments without over-leveraging.
✅ Outcome:
✔ Successfully released £200,000 in capital to fund a new property purchase
✔ Lower monthly payments with a flexible interest-only mortgage
✔ Increased monthly cash reserve by £1,200
✔ Boosted rental income by over £2,500 per month
✔ Restructured finances to support future portfolio growth
💬 Client Testimonial:
“Thanks to Lyndsey, I found a lender who worked with my circumstances, securing a remortgage that truly meets my needs!”
— Anthony, Experienced Landlord
Making First Time Landlord 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.
Trusted Partners for Your Mortgage Needs
Access Better Deals and Reduce Your Monthly Repayments with Tailored Mortgage Options from 170+ Lenders
Unlock Your First Time Landlord Mortgage Today!
Call me today on 01267 887434 or book your review
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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.