SPECIALIST COMPANY DIRECTOR MORTGAGES

Specialist mortgage advice for company directors, using salary, dividends, retained profits and pension contributions

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Direct Access to a Specialist

Dedicated Director Advice

Maximise Your Borrowing

Use Salary, Dividends & Retained Profits

Faster Mortgage Decisions

Same-Day DIP Available

Why Company Directors Trust West Wales Money

      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!

WHY CHOOSING THE RIGHT LENDER MATTERS

Mortgage lenders don’t all assess Company Director income in the same way. While some only consider salary and dividends, others may also take retained profits and employer pension contributions into account when assessing affordability.

📊 Salary & Dividends

Many lenders only assess salary and dividends, which may not fully reflect your income.

📈 Retained Profits

Some specialist lenders may also consider retained profits, which could increase your borrowing potential.

💼 Pension Contributions

Some specialist lenders may include employer pension contributions, which could further increase your borrowing potential.

Every lender has different affordability criteria. By recommending lenders that understand Company Director income, I can help you find the mortgage solution best suited to your circumstances.

DON'T LET THE WRONG LENDER LIMIT YOUR PLANS

Whether you’re buying your first home, moving home, remortgaging or investing, choosing the wrong lender could affect much more than your monthly payment.

It could limit the property you can buy, reduce the amount you can borrow or delay plans you’ve worked hard to achieve.

🏡 Buy a Smaller Home Than You Want

If your income isn’t assessed correctly, you could qualify for less than you’re actually capable of borrowing.

📉 Miss Better Mortgage Deals

Different lenders have different products and affordability criteria. Choosing the wrong lender could mean paying more than necessary.

⏳ Delay Your Plans

Choosing the wrong lender or making an unsuccessful application could delay your move and create unnecessary stress.

Fortunately, with specialist mortgage advice and access to the right lenders, these situations can often be avoided.

IS SPECIALIST MORTGAGE ADVICE RIGHT FOR YOU?

Every Company Director's income is different. If any of the following apply to you, specialist mortgage advice could help you access more suitable mortgage options.

💷

Low Salary

Paid a low salary? Some specialist lenders may look beyond salary and dividends.

📈

Retained Profits

Some specialist lenders may include retained company profits when assessing affordability.

🏦

Pension Contributions

Some specialist lenders may take employer pension contributions into account.

📊

Mixed Income

Salary, dividends or multiple companies? Some specialist lenders may assess your overall income differently.

I'd be pleased to review your circumstances and recommend the lenders best suited to you.

WHY CHOOSE WEST WALES MONEY?

Lyndsey Rowe

Mortgage & Protection Adviser

CeMAP & CeRER Qualified
30+ Years’ Experience

Company Director mortgages require specialist advice because lenders assess income differently.

With over 30 years’ experience, I’ll recommend the lenders best suited to your circumstances and guide you from enquiry to completion.

🎯 Specialist Company Director Advice

I understand the challenges Company Directors face and work with lenders who assess salary, dividends, retained profits and pension contributions differently.

🔍 Tailored Mortgage Recommendations

Every mortgage recommendation is tailored to your income, circumstances and property goals.

🤝 Personal Service

You’ll deal directly with me from your first enquiry through to completion.

⭐ Over 30 Years’ Experience

Over 30 years helping clients secure the right mortgage solutions with honest, professional advice.

Whether you’re buying, moving, remortgaging or investing, I’ll help you find the mortgage solution that’s right for your circumstances as a Company Director.

REAL COMPANY DIRECTOR SUCCESS STORIES

📈

BORROWED MORE USING RETAINED PROFITS

A Company Director's low salary didn't reflect the strength of their business. By using the right lender, they secured significantly higher borrowing.

✔ Salary, dividends and retained profits assessed
✔ Specialist lender recommended
✔ Borrowed an additional £125,000

Find Out What You Could Borrow →

🏡

PURCHASED BEFORE SELLING THEIR HOME

A Company Director wanted to secure their next home before selling their existing property. We identified the right lender to make it possible.

✔ Income assessed correctly
✔ Mortgage structured around their plans
✔ Purchased before selling

Discuss Your Moving Plans →

🏦

USED EMPLOYER PENSION CONTRIBUTIONS

A Company Director was making employer pension contributions instead of taking additional salary. We found a lender willing to take these into account.

✔ Pension contributions considered
✔ Tax-efficient strategy maintained
✔ Improved affordability

Check Your Mortgage Options →

🔑

FIRST-TIME BUYER COMPANY DIRECTOR

A newly established Company Director wanted to buy their first home but wasn't sure how lenders would assess their income.

✔ Specialist lender identified
✔ Income assessed correctly
✔ Successfully purchased their first home

Start Your Home Buying Journey →

FREQUENTLY ASKED QUESTIONS

Your Company Director Mortgage Questions Answered

Every lender assesses Company Director income differently. Here are answers to some of the questions I’m asked most often.

Why can’t I borrow as much as I expected?

The wrong lender can restrict your borrowing. Choosing the right lender can make a significant difference.

Can I get a mortgage with one year’s accounts?

Possibly. Some specialist lenders will consider applications with just one year’s trading.

Can I get a mortgage if I pay myself a low salary?

Yes. Many Company Directors choose a low salary for tax efficiency. Some specialist lenders assess more than just your salary, providing a fuller picture of your income.

Can I still get a mortgage after being declined?

Yes. A decline from one lender doesn’t mean another won’t accept your application. It may simply mean the wrong lender was chosen.

How do lenders assess Company Director income?

Every lender is different. Some assess salary and dividends only, while others also consider retained profits or employer pension contributions.

HOW THE PROCESS WORKS

Getting a Company Director Mortgage is Simpler Than You Think

Whether you’re buying your first home, moving, remortgaging or investing, I’ll guide you through every stage of the mortgage process.

📞 STEP 1: DISCOVERY CALL

We understand your income, goals and current situation
So we can identify what’s actually possible for you

🔍 STEP 2: RIGHT LENDER STRATEGY

We match you with lenders who understand company directors
Helping you access lenders that understand Company Director income.

📄 STEP 3: STRUCTURED APPLICATION

Your case is packaged and presented correctly from the start
Reducing delays and increasing your chances of approval

✅ STEP 4: FULL SUPPORT TO COMPLETION

I manage the process from application through to offer and completion

Most problems don’t come from your situation — they come from using the wrong lenders or approach.

READY TO FIND THE RIGHT COMPANY DIRECTOR MORTGAGE?

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Call Now: 01267 887434

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✓ 30+ years’ experience • ✓ No obligation • ✓ Speak directly to a specialist

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.