Carmarthen-based, UK-wide service
Fixed Rate Mortgages Made Simple
Secure a low fixed rate mortgage and protect yourself from rising interest rates
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Limited Company Mortgages
Tax-efficient buy-to-let landlord mortgages tailored for portfolio growth
First-Time Landlords? No Problem!
No experience required, fast approval
Flexible Income Requirements
Buy-to-let mortgages with no minimum income requirements
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See why clients trust our expertise in fixed rate mortgage rates!
Challenges in Securing Fixed Rate Mortgages
Strict Eligibility and Lender Criteria
Securing buy-to-let mortgages often involves high deposit demands, stringent stress tests, and rate fluctuations—especially challenging for new investors or those with varied incomes. An experienced buy-to-let mortgage broker can ensure you meet these requirements without stress.
Complex Requirements for Company Directors
Company directors face additional scrutiny, from higher deposit requirements to strict assessments on cash flow stability. With a specialist broker’s guidance, you can overcome these hurdles and access the best landlord mortgage rates for multiple properties.
Limited Options for Complex Income Structures
Investors with rental, freelance, or investment income are often viewed as higher risk by lenders. A specialist broker with access to multiple lenders opens doors to buy-to-let mortgages with no minimum income requirements, overcoming these barriers.
The Need for Experienced Support
Navigating the challenges alone can mean missed opportunities and financial setbacks. With over 30 years of expertise, I offer access to 170+ lenders, including those providing the best buy-to-let mortgage rates in Carmarthen for diverse income profiles. I’ll simplify your mortgage journey so you can focus on securing a prosperous investment future.
Specialist Lenders
Access specialist buy-to-let mortgage lenders, enhancing your approval chances
Same Day Mortgage Approval
Quick approval from 170+ lenders – save time and money
Flexible appointments
Flexible online, office, or after-hour phone appointments available
Why Choose Me as Your Advisor
Personalised Service with Expert Guidance
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 uphold a high standard of knowledge, ethics, and professionalism in mortgage and protection advice, as demonstrated by my qualifications.
These credentials aren’t just badges—they’re a testament to my commitment to providing informed guidance you can rely on.
Challenges and Common Problems
Maybe, you may have come accross these common problems
- Managing a Complex Property Portfolio
- Securing Improved Remortgage Deals
- Entering the Buy-to-Let Market
- Seeking a Limited Company Mortgage
- Understanding Detailed Lending Criteria
- Overcoming Past Mortgage Refusals
- Balancing Time Constraints and Stress
- Requiring Specialist Guidance
Each of these challenges can impact your ability to secure buy-to-let mortgage rates that meet your goals. With my connections to specialist lenders, I improve your chances of approval and securing the best landlord mortgage rates for multiple properties
Fixed Rate Mortgage Case Studies
Case Study 1: Helping a Company Director Secure a Limited Company Buy-to-Let Investment
Client Profile:
James, a company director seeking to diversify his income.The Challenge:
James’s, a company director with fluctuating income, found it difficult to meet standard lending criteria. They aimed to expand their property portfolio but faced challenges proving their financial stability to traditional lenders.My Solution:
I identified a lender that specialised in mortgages for company directors and suggested a fixed-rate, interest-only mortgage to provide predictability and improve cash flow. This approach aligned with their business goals without overextending financially.Outcome: By securing a competitive interest rate, the client saved over £3,000 in the first year and successfully expanded their portfolio with two additional properties, increasing their rental income by £1,500 per month
Client Testimonial:
“I didn’t think I could get a buy-to-let mortgage that fit my needs as a company director. Thanks to Lyndsey, I now own a great investment property and have a clear path to growing my portfolio.”
— James, Company Director
Case Study 2: Assisting an Experienced Landlord with a Remortgage on a Multi-Unit Property and Complex Income Structure
- Client Profile:
Anthony, a seasoned landlord with multiple rental properties, was looking to remortgage a high-value, multi-unit property to free up capital for additional investments. However, due to a complex income structure involving both rental income and limited company dividends, they faced difficulty meeting conventional mortgage criteria and were struggling to find a lender who could accommodate their unique financial setup. - The Challenge:
Despite Anthony’s experience and established portfolio, traditional lenders were hesitant due to his varied income streams and multi-unit property requirements on a freehold lease. These complexities often make securing favourable remortgage terms difficult. - My Solution:
I sourced a specialist lender skilled in complex income profiles and multi-unit properties, recommending a flexible, interest-only mortgage that improved cash flow and kept payments manageable. I also advised on leveraging their limited company dividends, ensuring the lender recognised their full income, which allowed the client to confidently pursue further investments without over-leveraging.
- Outcome:
With this structured approach, the client successfully released £200,000 in capital, which they used to purchase a new property, further expanding their portfolio. The flexible mortgage terms provided them with lower monthly payments and an increased cash reserve of £1,200 per month.
By restructuring their financing, the client gained the liquidity needed for future investments and increased their rental income by over £2,500 per month.
- Client Testimonial:
“Thanks to Lyndsey, I found a lender who worked with my circumstances, securing a remortgage that truly meets my needs!“
— Anthony, Experienced Landlord
This case demonstrates the value of working with a mortgage advisor who understands multi-unit investments and non-standard income. With the right guidance, even the most complex income setups can be structured to achieve financing success.
Making Buy-to-Let 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
Access exclusive, competitive company director mortgage rates through a broker with connections to over 170+ lenders
Understanding Fixed-Rate Mortgages: Your Guide to Get Better Rates
Learn how fixed-rate mortgages can protect you from rising interest rates
Let’s Discuss Your Buy-to-Let Potential Today
Have you thought about how to create a stable and prosperous future?
Securing a fixed-rate mortgage can be a smart way to lock in predictable payments, giving you peace of mind amidst changing interest rates.
With personalised mortgage advice, I’ll help you navigate the options and choose the right fixed-rate solution for your unique needs.
Take control of your financial future today:
Call me on 01267 887434 or Book Your Complimentary Mortgage Review
West Wales Money
Unit 4 St Catherine’s Walk
Carmarthen
SA31 1GA
Tel: 01267 887434
Email: info@westwalesmoney.co.uk
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.