Mortgage Broker Carmarthen & West Wales

FIND THE RIGHT MORTGAGE

AS A COMPANY DIRECTOR

Looking to borrow more? Find lenders that understand your salary, dividends and profits

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More Mortgage Options

170+ lenders, including specialists

Maximise Your Borrowing

Salary • Dividends • Profits • Pensions

Only One Year’s Accounts?

Specialist mortgage options

5-Star Rated Mortgage Advice

      EXCELLENT  
   Based on 57 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Steve Riley 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service, prompt replies, kept us up to date frequently. Only one issue due to a miscommunication which was resolved, thank you.
  
 
      Posted on Google  
   
   Tracy Davies 
 
 
 
 Trustindex verifies that the original source of the review is Google. Lyndsey has supported us to secure a mortgage offer. Would recommend his services if need professional advice on mortgage applications and options available.
  
 
      Posted on Google  
   
   Annabelle Pearson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Lyndsey Rowe of West Wales Money, who has 30 years experience was recommended to us.
He has been professional,prompt with up to date progress on our business dealings, always available and easy to communicate with, we couldn’t recommend him highly enough. Thank you.
  
 
      Posted on Google  
   
   Jamie Davies 
 
 
 
 Trustindex verifies that the original source of the review is Google. We couldn’t recommend Lyndsey highly enough! As first-time buyers, the mortgage process felt quite daunting, but Lyndsey made everything so straightforward and stress-free from start to finish.

We received excellent service throughout, with great communication, support and guidance every step of the way. We’re so grateful for all the help in getting us our mortgage and making our first home purchase possible.

We wouldn’t hesitate to recommend Lyndsey to anyone looking for a mortgage broker, and we’ll definitely be returning in the future. Thank you so much for all your help!
  
 
      Posted on Google  
   
   Richard Godsall 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was very lucky to have had Lyndsey Rowe(West Wales money) recommended to me by a business colleague and  have had an impeccable service from him .
He has been extremely helpful and I can not rate him high enough - he has had 36 years experience in this field & it shows!!
  
 
      Posted on Google  
   
   Samantha Davies 
 
 
 
 Trustindex verifies that the original source of the review is Google. We honestly couldn’t recommend Lyndsey highly enough. From the very beginning, he has been incredibly professional, knowledgeable and supportive throughout what can be a very stressful process.

As first-time buyers, we had lots of questions and uncertainties, but Lyndsey took the time to explain everything clearly and kept us informed every step of the way. Nothing ever felt like too much trouble, and he was always quick to respond to emails and calls, giving us complete confidence that we were in safe hands.
  
 
      Posted on Google  
   
   Sam Bannon 
 
 
 
 Trustindex verifies that the original source of the review is Google. We have had an excellent experience with Lyndsey Rowe at West Wales Money. From the very beginning, Lyndsey has been clear, professional, responsive and extremely reassuring throughout what can otherwise be quite a stressful process.

His advice has been invaluable, and he has made everything feel straightforward and seamless from our side. He has guided us carefully through the mortgage application process, kept us informed at each stage, and helped us secure our mortgage offer with confidence.

We are very grateful for all of Lyndsey’s help so far and would be very happy to recommend him to anyone looking for knowledgeable, trustworthy and supportive mortgage advice.
  
 
      Posted on Google  
   
   Liam Dix 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot recommend Lyndsey and his team at West Wales Money enough. Myself and my partner are both first time buyers and we did not understand the process fully. He made the process clear with constant communication and updated us regular through every step of the process. We will definitely be using him again when we are due for our renewal.
  
 
      Posted on Google  
   
   Sally Edwards 
 
 
 
 Trustindex verifies that the original source of the review is Google. Lyndsey and his team are fantastic. They’ve made the whole process of buying a house so much easier. Communication is always quick, professional and friendly. My partner and I have felt supported throughout the whole process. We can’t recommend Lyndsey and his team enough, we’re so grateful to them!
  
 
      Posted on Google  
   
   billkelly888 
 
 
 
 Trustindex verifies that the original source of the review is Google. Outstanding service from Lyndsey from start to finish. Very patient with all our questions and kept us informed of progress promptly. Would highly recommend Lyndsey and will most certainly use him again!

COULD YOU BE
BORROWING MORE

Your income may not fit a standard mortgage calculation

Does this sound familiar?

Your salary is deliberately kept low

You leave profits within your company

Your dividends vary from year to year

Your accountant structures income tax-efficiently

You've been told you can't borrow enough

The result? You may be able to borrow more than your current lender or broker has suggested.

The problem may not be your income. It could be how the lender assesses it.

THE WRONG LENDER COULD
LIMIT YOUR BORROWING

What some lenders see

Some lenders may undervalue your director income

Salary and dividends only

Average of previous years

Falling income questioned

Retained profits ignored

Limited borrowing as a result

What can be overlooked

Key parts of your financial position could be overlooked

Your share of company profits

Retained profits

Latest year's performance

Pension contributions

Your overall financial position

HOW I HELP MAXIMISE
YOUR MORTGAGE OPTIONS

Step 1: Understand Your Full Income

I look beyond salary and dividends, including company profits, retained profits and pension contributions where appropriate

Step 2: I Match You With Suitable Lenders

I research lenders whose criteria better fit your income and circumstances

Step 3: I Structure Your Mortgage

I consider the loan amount, term, deposit and repayment strategy to find a suitable solution

The aim?
To help you understand what you could realistically borrow before you apply

THE RIGHT LENDER MAKES THE DIFFERENCE

WHY WORK WITH WEST WALES MONEY?

Lyndsey Rowe

Mortgage & Protection Adviser

CeMAP & CeRER Qualified
30+ Years’ Experience

Personal Mortgage Advice — Not a Call Centre

30+ Years’ Experience — experienced advice for complex circumstances

170+ Lenders — more options for your director income

Company Director Expertise — advice built around how you earn

One-to-One Advice — deal directly with me throughout

UK-Wide Advice — Zoom, Teams or phone appointments

The difference? Personal advice and support from start to finish

Getting Your Company Director Mortgage

Discovery Call

We discuss your mortgage goals and how you take your income.

Income Review

I review your salary, dividends, company profits and overall position.

Lender Research

I compare lenders whose criteria fit your circumstances.

Recommendation

I explain your options and recommend a suitable mortgage.

Application Support

I manage your application and keep you updated throughout.

— FREQUENTLY ASKED QUESTIONS—

HOW MUCH COULD I BORROW AS A COMPANY DIRECTOR?

It depends on how lenders assess your income. Some use salary and dividends, while others may consider company profits

CAN RETAINED PROFITS HELP ME BORROW MORE?

Potentially. Some lenders may consider retained profits or your share of company profits when assessing affordability

CAN I GET A MORTGAGE WITH ONE YEAR’S ACCOUNTS?

Potentially, yes. Some lenders consider company directors with just one year’s accounts, subject to their criteria

WHAT IF I TAKE A LOW SALARY AND DIVIDENDS?

This is common for company directors. I’ll look for lenders whose affordability criteria better reflect how you take your income

DO YOU CHARGE A FEE?

Yes. Any fees will be explained clearly before you decide to proceed

DO YOU ADVISE CLIENTS ACROSS THE UK?

Yes. I’m based in Carmarthen and advise company directors across Wales and the UK

Speak to an Adviser

Speak directly for clear, no-pressure advice

Call Now: 01267 887434

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✓ 30+ years’ experience • ✓ No obligation • ✓ Speak directly to me

Eligibility for a mortgage is subject to status, credit checks, and affordability assessments in accordance with FCA regulations.

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 as 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.