Carmarthen-based, UK-wide service
Buy to Let Mortgages
Discover how West Wales Money can help you secure the best mortgage for your property investment – whether you’re a first-time landlord or building a portfolio.
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No Minimum Income
Specialist lenders who understand complex income
Fast-Time Landlords
Why wait? With just one year of trading, you can apply for a mortgage
Adverse Income
Adverse Income - No Minimum Income Required
Buy to Let Mortgages
Investing in rental properties through buy-to-let mortgages is a great way to build wealth and earn passive income. However, securing a buy-to-let mortgage can be more complex than a standard mortgage, especially if you’re considering a limited company mortgage purchase or are a company director.
Buy-to-let mortgages are viewed as higher risk by lenders, who will closely assess your financial stability and the potential rental income. These mortgages often require a larger deposit and stress testing to ensure you can manage payments even if interest rates increase.
For limited company mortgage purchases, there are additional considerations. While there are tax benefits, the application process can be more intricate, and lenders have specific criteria that need to be met. This can be particularly challenging for company directors who may have variable income.
Whether you are a first-time buyer or an experienced portfolio landlord, having the right knowledge and expert guidance can greatly improve your investment outcomes.
As an independent mortgage broker, I have access to a wide range of products from over 170 lenders, including specialist lenders with exclusive deals for buy-to-let investors, portfolio landlords, company directors, and limited companies.
Ready to explore your buy-to-let mortgage options? Contact me today at 01267 887434 to discuss your needs with a specialist.
Specialist Lenders
Gain access to specialist lenders who understand buy to let mortgages, enhancing your chances of approval.
Same Day Mortgage Approval
Quick approval from 170+ lenders – save time and money with a reliable fast-track service.
Flexible appointments
Online appointments are available and meetings outside normal working hours.
If you are a company director, you may have come across these common problems
Recently Transitioned to a Limited Company
Income Verification Challenges
Previous Trading Losses
Credit History Concerns
Brief Trading Record
Retained Profits
Any of these can lead to your bank telling you that you cannot get the mortgage you need because of these problems. But do not worry, because we are here to help. I have links with specialist lenders, which means you are more likely to get approved and get a larger mortgage.
Hi, I'm Lyndsey!
My journey in the financial industry began over 30 years ago when my own search for a mortgage sparked a passion for the field. Since then, I have not looked back.
While the mortgage industry has evolved with the advent of new technologies, the fundamental commitment to providing exceptional service and finding the right mortgage solutions for clients remains unchanged.
My job allows me to guide people through the complex mortgage process, making a meaningful difference in their lives.
My mission?
Simplifying Mortgages for Company Directors!
The London Institute of Banking & Finance (LIBF)
As a LIBF member, you will benefit from personalised advice on your unique financial situation.
Mortgage Advice in
4 simple steps…
Here are the four simple steps to getting your mortgage:
- You enquire and get a call back for a free mortgage review.
- I will compare mortgage rates from over 170 lenders, saving you time and money.
- We take the hassle out of submitting your mortgage application by doing it for you.
- Sit back and relax as I provide regular updates until the mortgage is completed and you receive the keys to your new home.
The Partners We Trust...
Discover better fixed-rate mortgage deals with a mortgage broker who partners with over 170 lenders
Get Your Blueprint Guide to Buy-to-Let Success
West Wales Money
Unit 4 St Catherine’s Walk
Carmarthen
SA31 1GA
West Wales Money Ltd is registered with the Data Protection Act 1998 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.