Carmarthen-Based, UK-Wide Service
COMPANY DIRECTOR MORTGAGES – BORROW MORE USING SALARY, DIVIDENDS AND PROFITS
Specialist advice for company directors, with access to lenders who understand complex income and company structures
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Access Specialist Lenders
Increase your approval chances with lenders who understand complex finances
Maximise Your Borrowing Power
Use salary, dividends and profits to unlock greater mortgage potential
Quick Mortgage Approvals
Same-day approval from specialist lenders - saving you time and stress
What Clients Say About Working With Me
Challenges in Securing Company Director Mortgages
Being a company director can make getting a mortgage feel unnecessarily complicated. Unlike salaried employees, your income is often made up of salary, dividends and retained profits, which many lenders struggle to assess. This can lead to delays, confusion and frustration, even when your finances are strong.
Trying to navigate this alone can be overwhelming. Each lender has different criteria, the paperwork is demanding and a small mistake can result in a declined application or missed opportunity.
That’s where I come in. With over 30 years’ experience helping company directors secure mortgages, I know exactly how lenders assess director income and how to present your case clearly and confidently. I’ll guide you through the process, handle the complexity and help you avoid costly pitfalls.
You’ll have peace of mind knowing an experienced specialist is on your side, taking care of the details so you can focus on running your business and planning ahead.
Take the first step today. Call me on 01267 887434 or click below to book your complimentary mortgage review. Looking forward to hearing from you.
Discover how you can maximise your borrowing power today - Book Your Mortgage Review!
Mortgages for New Businesses Made Simple
Secure a mortgage even if your business has only been trading for one year
Appointments That Fit Your Schedule
Convenient Appointments When You Need Them – Online, In-Person, or After Hours
Why Choose Me as Your Broker
Dedicated one-to-one personal service, focused solely on your mortgage needs
Hi, I'm Lyndsey!
With over 30 years as a specialist company director mortgage broker, I understand the unique challenges directors face—from complex income structures and strict lending criteria to short trading histories. Whether you’re moving, remortgaging or buying for the first time, I offer personalised guidance, helping secure tailored mortgages that align with your financial goals.
Unlike traditional banks, I offer a truly personalised service giving you direct access to a dedicated mortgage broker who prioritises your needs and understands the complexities of company director mortgages.
My mission?
Simplifying Mortgages for Company Directors!
Common Problems with Company Director Mortgages
You may have come accross 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. But don’t worry — I’m here to help. With access to specialist lenders, I can improve your approval chances and help you secure a larger mortgage.
Pay Less, Borrow More The Ultimate Guide to Mortgages for Directors
Maximise Your Borrowing Power with Salary, Dividends, and Profits
Company Director Mortgage Case Studies
Case Study 1: Helping a Professional Company Director Secure a First-Time Home Purchase
👩💼 Client Profile:
Alex, a professional company director purchasing his first home, with income made up of salary, dividends, and retained business profits.
⚠️ The Challenge:
Alex aimed to buy his first home but encountered obstacles with traditional lenders due to his unique income structure. Although financially solid, his combination of salary, dividends, and business profits left conventional lenders wary, limiting his borrowing power.
🔍 My Solution:
By thoroughly evaluating Alex’s financial situation, I matched him with a specialist lender who recognised the full scope of his income. Through this approach, I achieved a 6x salary mortgage approval, empowering Alex to secure his ideal property without compromising his finances.
✅ Outcome:
✔ 6x salary mortgage secured through a specialist lender
✔ Full income structure accepted – including dividends and profits
✔ Enabled Alex to purchase his first home without financial strain
💬 Client Testimonial:
“Achieving a 6x salary mortgage seemed out of reach, but Lyndsey made it happen. Thanks to her expertise, I now own my dream home with ease.”
— Alex, Professional Company Director
Case Study 2: Navigating Complex Finances to Secure a Mortgage for a Company Director
👩💼 Client Profile:
Sarah, an accomplished company director with multiple income streams including salary, dividends and retained business profits, looking to upgrade her home.
⚠️ The Challenge:
Sarah wanted to move home and upgrade but faced challenges due to her complex income structure. Traditional lenders struggled to assess her financial profile, and she faced rejection due to the variability of her income.
🔍 My Solution:
Understanding the intricacies of Sarah’s financial setup, I worked with a specialist lender experienced in handling director-level income. By incorporating her salary, dividends, and additional business profits into her mortgage application, I was able to secure an approval that recognised her true earning potential. This ensured she had the borrowing power she needed without compromising her lifestyle or business cash flow.
✅ Outcome:
✔ Mortgage approved using full director-level income
✔ Sarah moved into her upgraded home with no impact on business finances
✔ A smooth, stress-free mortgage experience tailored to her unique situation
💬 Client Testimonial:
“I thought my complex finances would prevent me from getting a mortgage, but Lyndsey’s expertise made all the difference. She understood my unique needs as a company director and made the whole process straightforward. Now, I’m settled in a beautiful new home!”
— Sarah, Company Director
Making Company Director Mortgages Simple and Stress-Free
Mortgage Advice in
4 Simple Steps
📞 Step 1: Book Your Complimentary Mortgage Review
Send an enquiry and I’ll give you a call to understand your situation and what you’re looking to achieve.
🔍 Step 2: I’ll Search Rates from Specialist Lenders
I compare fixed-rate deals across a wide panel of lenders – so you get a competitive rate that fits your needs and budget.
📝 Step 3: I’ll Handle the Application for You
No stress, no chasing formsNo stress, no chasing forms – I take care of the paperwork and liaise with the lender on your behalf.
📦 Step 4: Relax While I Keep You Updated
You’ll receive regular updates throughout the process – all the way through to mortgage offer and completion.
Trusted Partners for Your Mortgage Needs
Access Better Deals Through Specialist Lenders Who Understand Company Director Income
Let’s Discuss Your Company Director Mortgage Needs Today!
Call me today on 01267 887434 or book your review
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.
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.