First-Time Buyer Mortgage Advice

FIND OUT WHAT

YOU CAN

REALLY BORROW

Understand your options, know how much you could borrow and move forward with confidence

Request a Call Back

Family Help Welcome

Gifted deposits considered

Faster Decisions

Same-Day DIP Available

One-to-One Advice

Direct Adviser Access

Trusted By First Time Buyers Across The UK

      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!

NOT SURE WHERE TO START?

Buying your first home can feel overwhelming

Buying your first home can raise lots of questions

You might be wondering:

How much could I borrow?

How much deposit do I need?

What will my monthly payments be?

Will lenders accept my income?

Can my family help with my deposit?

I’ll help you understand what you can afford and guide you through your next steps

KNOW YOUR BUDGET
BEFORE YOU HOUSE HUNT

House Hunting Before You're Ready

Making an offer you can't comfortably afford

Underestimating your deposit and buying costs

Finding a property before checking you can finance it

Finding out your borrowing is lower than expected

Delays when you're ready to make an offer

Get Mortgage-Ready First

Know how much you could borrow

Understand your monthly payments

Know the deposit you'll need

Get your Decision in Principle

House hunt with confidence

HOW I HELP FIRST-TIME BUYERS

Step 1: Know What You Can Borrow

I review your income, deposit and circumstances to establish a realistic budget

Step 2: Find the Right Mortgage

I compare options from 170+ lenders to find a mortgage that fits your circumstances

Step 3: Get Mortgage-Ready

I help you secure a Decision in Principle so you can house hunt with confidence.

The aim?
Know your budget. Understand your options. Be ready when you find the right home

GET MORTGAGE-READY BEFORE YOU FIND YOUR FIRST HOME

FIRST-TIME BUYERS I'VE HELPED

🏠

FIRST HOME

Helping first-time buyers understand what they could borrow and secure a mortgage for their first home.

🎁

GIFTED DEPOSIT

Helping buyers use family support and understand lender requirements for gifted deposits.

💷

SMALLER DEPOSIT

Finding mortgage options for buyers with a smaller deposit who are ready to take their first step onto the property ladder.

✓

COMPLEX INCOME

Finding suitable lenders when income or circumstances don't fit a straightforward mortgage application.

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 guidance for your first mortgage

170+ Lenders — more options for your circumstances

First-Time Buyer Support — from understanding your budget to getting your mortgage

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

UK-Wide Advice — Zoom, Teams or phone appointments

The difference? Clear advice and personal support from your first question to your first home.

FIND OUT WHAT YOU COULD BORROW — BEFORE YOU APPLY

Tell me a little about your circumstances and I’ll help you understand your borrowing options

Your First Home — Made Simple

Discovery Call

We discuss your plans, deposit, income and how much you may need to borrow.

Mortgage Review

I work out your budget and what you could realistically afford.

Lender Research

I compare suitable mortgage options from 170+ lenders.

Recommendation

I explain your options and recommend a suitable mortgage.

Application Support

I manage your application and keep you updated through to completion.

— FREQUENTLY ASKED QUESTIONS—

HOW MUCH COULD I BORROW?

This depends on your income, deposit, commitments and circumstances. I’ll help you understand your budget before you start house hunting

HOW MUCH DEPOSIT DO I NEED?

This depends on your circumstances and the property. I’ll explain the options available to you

CAN MY FAMILY HELP WITH MY DEPOSIT?

Yes. Many lenders accept gifted deposits from family, subject to their criteria

WHAT IS A DECISION IN PRINCIPLE?

It gives you an indication of how much a lender may be prepared to lend before you make an offer

DO YOU CHARGE A FEE?

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

DO YOU ADVISE FIRST-TIME BUYERS ACROSS THE UK?

Yes. I’m based in Carmarthen and advise first-time buyers across the UK

Speak to an Adviser

Speak directly for clear, no-pressure advice

Call Now: 01267 887434

Prefer Email?

Send your details and I’ll get back to you

Get Advice by Email

✓ 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.