Carmarthen-based, UK-wide service
Struggling With ICR Rules? Unlock More Borrowing Power With the Right Strategy
Discover specialist lenders with flexible ICR rules – expert one-to-one advice for SPVs and portfolio landlords
Discover How Much You Could Borrow
✔ Confidential | ✔ No obligation | ✔ FCA registered
One-to-one advice
30+ years of experience guiding complex mortgage cases.
Access to 170+ lenders
Including those with flexible ICR rules for landlords.
Tailored SPV Solutions
Built for company directors and complex income structures.
Real Feedback From Landlords and Investors Like You
Here’s what my clients say about working with West Wales Money
⭐⭐⭐⭐⭐ “Rated 5 stars – trusted by SPV landlords.” Real reviews from company directors and investors using SPVs for tax-efficient buy-to-let mortgages
How ICR Rules Could Be Limiting You
Struggling with ICR rules and rigid affordability checks? You’re not alone.
Many landlords feel stuck when lenders demand higher rental coverage, lower LTVs, or larger deposits.
The good news? There are flexible lenders out there — and I can help you find them.
A low ICR could mean:
Higher interest rates
Lower borrowing capacity
Declined or restricted applications
Many landlords feel stuck when lenders demand:
Coverage ratios as high as 175%
Stress tests at 7%+ even on fixed deals
Larger deposits or reduced borrowing limits
But here’s the good news: there are flexible lenders out there – and I can connect you with them.
🏠 Need ICR Mortgage Help?
Having trouble with ICR stress tests? Let’s talk about your options to secure the mortgage you need.
Get Help With ICR RulesUnderstanding the Interest Coverage Ratio (ICR)
Avoid Growth Limits by Understanding Lender Calculations
Many experienced landlords get declined or offered less than expected because:
The stress rate can be set as high as 7.5%, even if you’re fixing at 5%
The ICR threshold can be as high as 175% — meaning your rental income needs to be much higher
You’re told to increase your deposit or reduce your loan, even when the numbers feel strong
You feel stuck — especially when refinancing or growing your portfolio
Secure Your Next Mortgage by Getting ICR Right
I work with landlords applying through SPVs or limited companies who want clear, strategic advice to overcome borrowing restrictions — particularly when it comes to the challenges of the ICR test.
On top of these financial hurdles, landlords also face regulatory changes. The Renters Reform Bill could impact the wider rental market and affect how your yields perform. [Read my latest blog for insights].
I don’t just look at what lenders require; I take the time to understand your broader financial picture. That means structuring your mortgage in a way that satisfies lender criteria, optimises your tax position, and aligns with long-term business goals — all in a way your accountant would approve of.
Whether you’re expanding your portfolio or refinancing existing properties, I’ll help you navigate complex lending rules with tailored solutions that make financial sense — not just now, but in the years ahead.
Avoid These Costly Mistakes Property Investors Make
🔍 Complex company structures
I work alongside you to tailor your portfolio lending to your exact income setup — whether that’s salary, dividends, rental yield, or profits — ensuring your borrowing potential reflects your true financial position.
🤝 Collaboration with Your Accountant for Smarter Structuring
I collaborate directly with your accountant to make sure the mortgage solution we choose complements your tax strategy. This ensures you’re not just approved, but optimised for maximum efficiency.
🧠 Experience That Helps You Avoid Delays and Dead Ends
With over 30 years of financial expertise, I’m skilled at overcoming complex lender criteria, steering clear of rejections, and connecting you with lenders who understand the intricacies of managing sophisticated property portfolios.
Why Work With Me on ICR Mortgages?
📞 Need ICR Mortgage Advice Now?
Get the expert advice you need right now — I’m here to help!
Speak to Me Directly — Book Your Call: 07508 147884Hi, I'm Lyndsey!
I offer specialist mortgage advice for portfolio landlords across the UK and overseas — including those struggling to meet ICR requirements on high-value or heavily leveraged properties.
With 30+ years’ experience and access to 170+ lenders, I secure exclusive buy-to-let deals tailored to complex portfolios, limited company structures, and accountant-approved tax strategies. You’ll get direct access to a trusted specialist who understands how lenders assess ICR and how to structure your mortgage to improve affordability, increase borrowing potential, and protect long-term portfolio growth.
My mission?
Helping you overcome ICR challenges, reduce costs, and structure the right mortgage — so you can move forward, borrow more, and grow your portfolio.
New to SPV Buy-to-Lets? Start Here
Unsure how to set up your SPV for buy-to-let? Discover the 12 essential steps to structure your limited company correctly — and avoid costly mistakes.
Explore Related Buy-to-Let Strategies
Discover how property structure and lender rules affect your borrowing options.
Real Case Studies of Landlords Improving Their ICR
🏡Case Study: Overcoming ICR Challenges to Secure Better Borrowing Terms
👩💼 Client Profile:
A property investor with a mix of self-employed income and rental income.
⚠️ The Challenge:
The client struggled with a low ICR due to fluctuating rental income and a complex income structure.
🔍 My Solution:
I worked closely with the client’s accountant and found a lender that offered a flexible ICR calculation, allowing them to borrow more.
✅ Outcome:
✔ Secured a loan at 3.5%
✔ Increased borrowing by £350,000
✔ Improved cash flow with lower monthly repayments
💬 Client Testimonial:
“As a portfolio landlord, I wasn’t sure if I could borrow enough to secure the buy-to-let property I had in mind. Thanks to Lyndsey’s expertise and access to specialist lenders, I was able to secure the higher borrowing I needed. I now own a solid investment property and have a clear strategy moving forward”.
Making SPV Mortgages Simple and Stress-Free — As Approved by Your Accountant
How It Works in 4 Simple Steps
📞 Step 1: Discovery Call
Send an enquiry, and I’ll call you to understand your situation and what you’re looking to achieve.
🔍 Step 2: Lender Search
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: Application
No stress, no chasing forms — I take care of the paperwork and liaise with the lender on your behalf.
📦 Step 4: Updates to Completion
You’ll receive regular updates throughout the process — all the way through to mortgage offer and completion.
📞 Let’s Simplify BTL Mortgages
Speak with me now for expert mortgage advice and guidance.
Discover how much you can borrow todayTrusted Partners for Your Mortgage Needs
Access Better Deals and Reduce Your Monthly Repayments with Tailored Mortgage Options from 170+ Lenders
Secure smarter borrowing with accountant-approved mortgage advice. Let’s build your portfolio the right way — starting today
📞 Need ICR Advice?
Have questions about Interest Coverage Ratios? I’m just a call away
Book Your Complimentary Discovery Call
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.