Carmarthen-based, UK-wide service
Fixed-Rate Mortgages—Lock in Stability, Borrow More, Protect Your Future
Shield Yourself from Rising Rates—Borrow More, Lock in a Fixed Rate, and Secure Same-Day Approval with Specialist Lenders
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Specialist Lenders
Access specialist fixed rate mortgage lenders, to protect yourself from rising rates
Same Day Mortgage Approval
Quick approval from 170+ lenders – save time and money
Flexible appointments
Flexible online, office, or after-hour phone appointments available
What Clients Say About Working With Me
Challenges in Securing Fixed Rate Mortgages
Fixed-rate mortgages provide the stability of predictable payments, but securing the right deal can be complex. Key challenges include:
- Finding Competitive Rates
With so many options, identifying the best fixed-rate deal for your needs can be overwhelming, especially with hidden fees and fluctuating market conditions. - Meeting Lending Criteria
Lenders have strict requirements, such as credit scores and income stability, which can make qualifying difficult for some borrowers. - Early Repayment Charges
Fixed-rate deals often include penalties for early repayment, limiting flexibility during the term. - Market Timing
Locking in a fixed rate at the wrong time can lead to higher costs, making timing critical. - Remortgaging Stress
Switching to a new fixed rate before the term ends can be daunting, especially with potential rate hikes. - Balancing Term Lengths
Choosing between short-term savings and long-term stability requires careful planning. - Limited Overpayment Options
Many fixed-rate mortgages restrict overpayments, reducing opportunities to pay off the balance faster. - Time and Paperwork
The mortgage process can be time-consuming and stressful, particularly for busy individuals.
How I Can Help
With my expertise and access to specialist lenders, I can:
- Find the most competitive fixed-rate deals for your goals.
- Simplify the process and improve your chances of approval.
- Save you time by managing paperwork and liaising with lenders.
Let’s secure your financial stability. Contact me today on 01267 887434 to find the right fixed-rate mortgage for you.
Why Choose Me as Your Broker
Dedicated one-to-one personal service, focused solely on your mortgage needs
Hi, I'm Lyndsey!
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.
My mission?
Simplifying Fixed Rates Mortgages!
Professional Credentials You Can Trust
As a member of the London Institute of Banking & Finance (LIBF), I adhere to the highest professional standards, ensuring you receive expert and ethical financial advice you can trust.
Common Problems
Maybe, you may have come accross these common problems
- Navigating Fixed-Rate Options Amid Market Uncertainty
- Securing Competitive Rates for Remortgaging
- Transitioning from Variable to Fixed Rates
- Understanding the Impact of Early Repayment Charges
- Meeting Stringent Lending Criteria for Fixed Rates
- Overcoming Past Mortgage Application Declines
- Managing Time Constraints and Reducing Stress
- Accessing Expert Guidance for Fixed-Rate Decisions
Each of these challenges can affect your ability to secure the right fixed-rate mortgage tailored to your needs. With my connections to specialist lenders, I can improve your chances of approval and help you lock in the best fixed-rate deals.
Save Money and Time Your Guide to Smarter Fixed-Rate Mortgages
Discover How Fixed-Rate Mortgages Shield You from Rising Interest Rates
Fixed Rate Mortgage Case Studies
Case Study 1: Securing a Fixed Rate for a First-Time Buyer
Client Testimonial:
“Lyndsey made what seemed like a daunting process so easy. I couldn’t believe how quickly and smoothly everything went. The savings on my mortgage have been incredible, and I’m so grateful for the personalised support I received!” – Emma, Carmarthen
Case Study 2: Remortgaging to a Lower Fixed Rate
Client Profile:
James and Sarah, a professional couple in their early 40s, were approaching the end of a two-year fixed-rate mortgage term on their family home. Both had demanding jobs and were keen to avoid a sharp increase in their monthly payments.
The Challenge:
The couple was concerned about moving onto their lender’s standard variable rate, which would have increased their repayments significantly. They needed to find a better fixed-rate deal but lacked the time and expertise to explore their options.
My Solution:
I assessed their financial situation and future plans, identifying their need for stability and reduced monthly payments. By leveraging my connections with over 170 lenders, I secured a new five-year fixed-rate mortgage with a substantially lower interest rate. This switch saved them £176 per month. I handled the remortgage process entirely, ensuring a seamless transition without any disruptions.
Outcome:
James and Sarah locked in a new fixed rate, achieving £10,560 in savings over the mortgage term while gaining financial predictability for the next five years. They were thrilled with the outcome and appreciated the stress-free experience, allowing them to focus on their busy lives without worry.
Client Testimonial:
“We cannot thank Lyndsey enough for his expert guidance and support. Not only did he save us a significant amount of money, but he also made the entire process completely hassle-free. His professionalism and expertise were outstanding!” – James and Sarah, West Wales
This case highlights the importance of working with a mortgage advisor who specialises in fixed-rate mortgages and understands the nuances of securing stability in fluctuating markets. With the right guidance, you can lock in a competitive fixed rate and achieve financial peace of mind, no matter your circumstances.
Making Fixed Rate Mortgages Simple and Stress-Free
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.
Trusted Partners for Your Mortgage Needs
Gain access to over 170 lenders, helping you secure better rates and reduce your mortgage repayments
Let’s Discuss Your Fixed Rate Mortgage Needs!
Call me today on 01267 887434 or book your review
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.
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.