Mortgage Broker Carmarthen & West Wales


FIND THE RIGHT MORTGAGE

FOR YOUR PROPERTY PORTFOLIO




Access specialist lenders and flexible criteria designed to maximise borrowing and support your portfolio growth



Request a Call Back

Borrow More

Flexible lender stress tests

Finance Your Portfolio

Ltd companies, HMOs & multiple properties

One-to-One Advice

Direct adviser access

Trusted by portfolio landlords and property investors

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Steve Riley profile picture
Steve Riley
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Great service, prompt replies, kept us up to date frequently. Only one issue due to a miscommunication which was resolved, thank you.
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Tracy Davies profile picture
Tracy Davies
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Lyndsey has supported us to secure a mortgage offer. Would recommend his services if need professional advice on mortgage applications and options available.
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Annabelle Pearson profile picture
Annabelle Pearson
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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.
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Jamie Davies profile picture
Jamie Davies
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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!
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Richard Godsall profile picture
Richard Godsall
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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!!
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Samantha Davies profile picture
Samantha Davies
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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.
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Sam Bannon profile picture
Sam Bannon
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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.
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Liam Dix profile picture
Liam Dix
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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.
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Sally Edwards profile picture
Sally Edwards
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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!
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billkelly888
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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!

IS YOUR PORTFOLIO
LIMITING YOUR BORROWING?

Is Your Portfolio Holding Back Your Growth?

As your portfolio grows, lender criteria can get tougher

Are stress tests limiting your borrowing?

Have you reached your current lender’s limits?

Do you own properties through a limited company?

Are HMOs or specialist properties limiting your options?

Do you want to release equity to invest again?

The right lender could give you more options to finance your next property.

Property investors reviewing a property portfolio and mortgage options with an adviser

THE WRONG LENDER COULD
LIMIT YOUR GROWTH

What can hold you back

Some lenders may struggle with larger or more complex portfolios

Strict rental stress tests

Limits on portfolio size

Limited company restrictions

HMOs or specialist properties declined

Less borrowing for your next purchase

What you could be missing

The right lender could open up more options

More flexible stress tests

Higher borrowing potential

Specialist portfolio lenders

Ltd company & HMO options

More ways to finance your next investment

HOW I HELP FINANCE
YOUR PORTFOLIO

Step 1: Know Your Position

Understand your borrowing options and what your portfolio could support.

Step 2: Access More Lenders


Compare options from 170+ lenders, including portfolio specialists.

Step 3: Finance Your Next Move

Structure your borrowing to purchase, refinance or grow your portfolio.

The outcome? More borrowing options to help grow your portfolio.

THE RIGHT LENDER MAKES THE DIFFERENCE

Property investor reviewing investment properties and mortgage finance options with an adviser

WHY WORK WITH WEST WALES MONEY?

Lyndsey Rowe, Mortgage & Protection Adviser at West Wales Money, in his home office during a video consultation with dual monitors displaying the West Wales Money logo.

Lyndsey Rowe

Mortgage & Protection Adviser

CeMAP & CeRER Qualified
30+ Years’ Experience

Specialist Mortgage Advice for Property Investors

30+ Years’ Experience — Experienced mortgage guidance

170+ Lenders — More options for your portfolio

Property Investor Expertise — Understanding complex portfolios and BTL lending

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

UK-Wide Advice — Zoom, Teams or phone appointments

The difference? Specialist advice focused on financing your portfolio and your next investment.

Financing Your Property Portfolio
1

Discovery Call

We discuss your portfolio, investment plans and borrowing needs.

2

Portfolio Review

I review your properties, mortgages, rental income and borrowing position.

3

Lender Research

I compare suitable options from 170+ lenders, including portfolio specialists.

4

Recommendation

I explain your options and recommend a suitable mortgage solution.

5

ApplicatioN

I manage your application and keep you updated throughout.

— FREQUENTLY ASKED QUESTIONS—

Portfolio landlord reviewing investment properties and financial figures for future property purchases

HOW MANY PROPERTIES MAKE ME A PORTFOLIO LANDLORD?

Generally, lenders treat you as a portfolio landlord if you have four or more mortgaged buy-to-let properties

CAN I BORROW MORE IF STRESS TESTS ARE LIMITING ME?

Potentially. Different lenders use different rental stress tests and affordability criteria

CAN I RAISE EQUITY FROM MY PORTFOLIO?

Potentially. You may be able to refinance existing properties to release capital for further investment

CAN I GET A MORTGAGE THROUGH A LIMITED COMPANY?

Yes. Many lenders offer mortgages for property investment through an SPV limited company

CAN YOU HELP WITH HMOs AND COMPLEX PROPERTIES?

Yes. I can research specialist lenders for HMOs and more complex property types

DO YOU ADVISE PORTFOLIO LANDLORDS ACROSS THE UK?

Yes. I’m based in Carmarthen and advise property investors across the UK

✓ 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.

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