Carmarthen-based, UK-wide service
Fixed Rate Ending? Act Now to Lower Your Repayments
Avoid rising costs by switching early – I’ll help you secure a better deal from over 170 lenders to save you time and money
Get Better Rates Now!
✔ Confidential | ✔ No Obligation | ✔ FCA Registered
Specialist Lenders
Access specialist fixed rate mortgage lenders, to protect yourself from rising rates
Quick Mortgage Approvals
Quick approval from 170+ lenders – save time and money
Flexible appointments
Flexible online, office, or after-hour phone appointments available
Trusted by Clients Across West Wales – Here’s What They Say
Challenges in Securing Fixed Rate Mortgages
Fixed-rate mortgages offer peace of mind with predictable payments—but finding the right deal isn’t always simple. Here are some common challenges I help my clients overcome:
Confused by too many deals?
It’s easy to feel overwhelmed by lenders offering different rates, fees, and hidden conditions.
Worried you won’t qualify?
Strict criteria around income and credit history can lead to rejections and delays.
Afraid of being locked in?
Many fixed-rate deals charge high fees for early exits—costly if your plans change.
Concerned about missing the right timing?
Waiting too long can mean locking into a higher rate than you need to.
Stressed by switching?
Remortgaging before your deal ends can feel complicated—especially when rates are rising.
Can’t decide on term length?
Picking between short-term savings and long-term security is tough without guidance.
Want to overpay but can’t?
Many fixed-rate mortgages limit how much extra you can pay—slowing down your debt-free journey.
No time for paperwork?
Comparing deals, completing forms, and chasing lenders takes up hours you don’t have.
How I Make It Easy and Outcome-Driven
With over 30 years of experience, I’ll help you:
✅ Lock in a better deal fast – before rates rise further.
✅ Secure lower monthly repayments – from 170+ specialist lenders.
✅ Save time and stress – I’ll handle the paperwork and chase the lenders.
You get expert advice, direct support, and a plan tailored to your goals.
Let’s secure your financial stability today. Call me on 01267 887434 and I’ll help you find the right fixed-rate mortgage—without the hassle.
Why Choose Me as Your Broker
Dedicated one-to-one personal service, focused solely on your mortgage needs
Hi, I'm Lyndsey!
If your fixed rate is ending soon, now is the time to act. With rates rising and household budgets under pressure, securing a new fixed rate could save you thousands and bring peace of mind. I know how stressful it can feel—not knowing what your repayments might look like in a few months’ time.
With over 30 years of experience as a mortgage broker, I specialise in helping people like you take control before their deal ends. I’ll help you secure a new fixed rate that suits your budget and protects you from sudden rate hikes. And unlike call centres or high street banks, you’ll have direct access to me—an expert who listens, understands your goals, and takes care of everything from start to finish.
Don’t wait until your lender puts you on their highest follow-on rate. Let’s get ahead of it—together.
My mission?
To keep it simple and make it easy for you to secure better rates—so you can lower your repayments quickly and stress-free.
Common Problems Fixed Rate Mortgages
Many of my clients come to me after facing problems like:
🔍 Feeling lost trying to compare fixed-rate deals with hidden fees and complex terms
💷 Struggling to secure a better rate when remortgaging
📈 Worrying about rising payments and wanting to switch from variable to fixed
⚠️ Getting caught out by early repayment charges they didn’t expect
🔒 Finding it hard to meet lenders’ strict criteria for fixed-rate deals
❌ Being turned down for a mortgage and unsure where to turn next
⏳ Feeling too busy or stressed to manage the paperwork and process
💡 Needing clear, expert advice to avoid making a costly mistake
Each of these issues can stand between you and the right fixed-rate mortgage. With access to over 170 lenders—including specialist options—I can help you avoid the pitfalls, improve your chances of approval, and secure a deal that truly fits your goals.
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
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
Making Fixed Rate Mortgages Simple and Stress-Free
Mortgage Advice in
4 Simple Steps
Follow These Four Simple Steps to Secure Your Fixed Rate Mortgage:
📞 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 Over 170 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 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
Gain access to over 170 lenders, helping you secure better rates and reduce your mortgage repayments
Avoid your lender’s high rate—secure a better deal before your term ends
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.