Carmarthen-based, UK-wide service
Tax-efficient buy-to-let landlord mortgages tailored for portfolio growth
No experience required, fast approval
Buy-to-let mortgages with no minimum income requirements
EXCELLENT Based on 19 reviews tamsin williams2024-11-01Trustindex verifies that the original source of the review is Google. Lyndsey has been very useful throughout my mortgage application process and he answered any and all questions I had. He has a lot of knowledge in this area and is very good at explaining the jargon that I couldn't get my head around! Applying for a mortgage can be a somewhat stressful experience but I felt a lot more comfortable knowing I had an expert helping me along the way and taking care of all the big scary stuff! Bradley Mitchell2024-10-25Trustindex verifies that the original source of the review is Google. Very help full always available to speak to and dose stuff time efficient witch is very helpfull buying investment properties Recommend to anyone considering Gareth Abbott2024-10-09Trustindex verifies that the original source of the review is Google. Lyndsey has helped us get our first mortgage offer. As first time buyers, Lyndsey has guided us through every stage of the process, making himself available whenever we've needed extra support or explantation. We would thoroughly recommend Lyndsey to anyone looking for a broker. aleem tufail2024-09-11Trustindex verifies that the original source of the review is Google. From start to finish Lyndsey has just been a pleasure to work with. His advice was honest and his recommendations have been carefully thought out based on my personel requirements. Will be using him for all future borrowing and certainly would recommend him to all. He has been efficient and organised at all stages. Osama Al-Saied2024-08-07Trustindex verifies that the original source of the review is Google. Lyndsey was a pleasure to deal with from start to finish. He helped me with my first time buy and explained the process to me, answering any questions I had (and there was lots of them). He is very quick to reply and gives regular updates. What I really liked about him is how thorough he is from the beginning which makes the application process a lot smoother. I highly recommend him! Jordan Scott2024-08-05Trustindex verifies that the original source of the review is Google. Would like to say thank you so much for your help. for finding me and my partner The best mortgage and insurances for our new home always went above and beyond looking for best outcome for our future. Very professional and easy to speak to. We can't wait to work with you again the future. Thank you again. We very much appreciate it. PHIL MAWSON (KERKYRAPHIL)2024-07-16Trustindex verifies that the original source of the review is Google. What an excellent outfit to deal with. Lyndsey has worked tirelessly for weeks on our project ensuring us of being able to find a mortgage lender of note and trustworthiness in order to re-mortgage with. He has worked day and night on our behalf and we thoroughly recommend his personal and professional services he won't let you down. florence ogilvie2024-07-02Trustindex verifies that the original source of the review is Google. My partner and I have been very happy with the help we have received to get out mortgage so far. We are first time buyers and Lyndseys help has been invaluable for us to understand the process and make everything simple to understand. Very professional, understanding and flexible! Highly recommend West Wales Money for anyone getting a mortgage or in need of advice! Chris Nash2024-06-29Trustindex verifies that the original source of the review is Google. I recently had the pleasure of working with Lyndsey Rowe at “West Wales Money” and I cannot speak highly enough about the exceptional service I received. From start to finish, he demonstrated an unparalleled level of professionalism, expertise, and dedication that made my mortgage journey smooth and stress-free. Right from our initial consultation, it was evident that Lyndsey possessed extensive knowledge about the mortgage industry. He took the time to thoroughly explain the various loan options available to me, detailing the pros and cons of each one. This personalized approach ensured that I felt informed and confident in my decision-making process. What truly sets Lyndsey apart is his unwavering commitment to customer service to ensure a smooth, successful experience. Thank you Lyndsey for your exceptional work, I will recommend your services to family and friends. Victoria Alonzi2024-06-14Trustindex verifies that the original source of the review is Google. Been absolutely amazing helping me and my partner buy our first home. Easy to contact. Happy to answer any of our questions that we have had (We had lots). Lyndsey recommended by a friend and we now know why. Definitely recommend to anyone.
As a portfolio landlord or a property investor using a limited company structure, securing the right Buy-to-Let mortgage can be a complicated and sometimes frustrating process. Whether you’re managing multiple properties or operating through a limited company, lenders may have concerns about your ability to manage risks, fluctuating income, and the added complexity of company accounts. With a limited company, there are additional layers to consider, such as director income, company profits, and potential tax implications, which can make securing finance more challenging.
Navigating this process can feel overwhelming. Each lender has its own set of requirements, and without expert advice, you risk delays, declined applications, or missing out on the best mortgage deals. The paperwork can be daunting, and ever-changing lending criteria only adds to the stress. If you’re using a limited company structure, there are also specific requirements, like proving your company’s financial stability, that can add further complexity.
But here’s the good news: you don’t have to face this alone. With over 30 years of experience in helping portfolio landlords and limited company property investors, I specialise in simplifying the Buy-to-Let mortgage process. I understand the nuances of managing multiple properties, whether through personal or company ownership, and how to present your application in the best possible light. Together, we’ll break down the complexities, ensuring you avoid common pitfalls and move forward with confidence.
Imagine the peace of mind knowing that an expert is guiding you—someone who understands the unique demands of running a property portfolio, both personally and through a limited company. I have a proven track record of securing tailored mortgage solutions for landlords like you, so you can focus on growing your investments and achieving your goals.
Take the First Step Today
Don’t let complex mortgage requirements, company structures, or lender concerns hold you back. Call me on 01267 887434 or click below to book your complimentary mortgage review. Together, we’ll turn your property investment goals into reality with personalised advice and a human touch.
Access specialist buy-to-let mortgage lenders, enhancing your approval chances
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Flexible online, office, or after-hour phone appointments available
As a specialist buy-to-let mortgage broker with over 30 years of 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.
Simplifying Mortgages for Landlords!
Maybe, you may have come accross these common problems
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
Pay Less, Earn More The Ultimate Guide to Buy-to-Let Mortgages
Unlock Essential Strategies for Securing the Best Buy-to-Let Mortgages
Client Profile:
James, a company director seeking to diversify his income.
The Challenge:
James’s, a company director with fluctuating income, found it difficult to meet standard lending criteria. They aimed to expand their property portfolio but faced challenges proving their financial stability to traditional lenders.
My Solution:
I identified a lender that specialised in mortgages for company directors and suggested a fixed-rate, interest-only mortgage to provide predictability and improve cash flow. This approach aligned with their business goals without overextending financially.
Outcome: By securing a competitive interest rate, the client saved over £3,000 in the first year and successfully expanded their portfolio with two additional properties, increasing their rental income by £1,500 per month
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.”
— James, Company Director
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. However, due to a complex income structure involving both rental income and limited company dividends, they faced difficulty meeting conventional mortgage criteria and were struggling to find a lender who could accommodate their unique financial setup.
The Challenge:
Despite Anthony’s experience and established portfolio, traditional lenders were hesitant due to his varied income streams and multi-unit property requirements on a freehold lease. These complexities often make securing favourable remortgage terms difficult.
My Solution:
I sourced a specialist lender skilled in complex income profiles and multi-unit properties, recommending a flexible, interest-only mortgage that improved cash flow and kept payments manageable. I also advised on leveraging their limited company dividends, ensuring the lender recognised their full income, which allowed the client to confidently pursue further investments without over-leveraging.
Outcome:
With this structured approach, the client successfully released £200,000 in capital, which they used to purchase a new property, further expanding their portfolio. The flexible mortgage terms provided them with lower monthly payments and an increased cash reserve of £1,200 per month. By restructuring their financing, the client gained the liquidity needed for future investments and increased their rental income by over £2,500 per month.
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
This case demonstrates the value of working with a mortgage advisor who understands multi-unit investments and non-standard income. With the right guidance, even the most complex income setups can be structured to achieve financing success.
Mortgage Advice in
4 Simple Steps
Follow These Four Simple Steps to Secure Your Buy-to-Let Mortgage:
Reach Out for Your Free Mortgage Review
Get started by making an enquiry, and I’ll call you back to discuss your mortgage needs.
I’ll Search Rates from Over 170 Lenders
I compare rates across a vast network, helping you save both time and money.
Leave the Application Process to Me
I handle all aspects of the mortgage application, taking the hassle off your plate.
Relax with Regular Updates Until Completion
Sit back as I keep you informed every step of the way, right up to the moment you receive the keys to your new property.
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.
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.