Mortgages with one year’s accounts
Salary, dividends & company profits
Borrow up to 6× your income
If you’ve been declined or offered less than expected, your lender’s criteria could be limiting your borrowing.
Declined despite a strong income
Offered less than you expected
Company profits not fully considered
Self-employed income assessed incorrectly
Portfolio complexity restricting borrowing
Gifted deposit or guarantor support overlooked
With the right lender and mortgage structure, you could potentially increase your borrowing options
Salary, dividends & company profits considered
Specialist self-employed lending
Solutions for complex property portfolios
Options for previous credit issues
Gifted deposits considered
Family and guarantor support options
Get clear guidance, understand what you can borrow and move forward with confidence.
View First-Time Buyer OptionsRelease equity, review your repayments or increase borrowing with the right lender and structure.
View Remortgage OptionsUse your full income with lenders who understand self-employed applicants properly.
View Self-Employed OptionsUse salary, dividends and retained profits correctly to maximise your borrowing options.
View Director OptionsExplore portfolio, SPV and Buy-to-Let mortgage solutions designed to support your property plans.
View Investor Options
We include salary, dividends, retained profits, rental income, and complex earnings — not just what high street lenders accept
We work with specialist lenders who understand company directors, portfolio landlords, and complex income structures.
We present your income in a way lenders accept — helping you unlock higher borrowing and avoid unnecessary declines.
From initial review to application and approval — we manage everything so you get the right result, first time.
A higher borrowing outcome — with less stress, fewer delays, and no guesswork.
See how the right lender and mortgage strategy can unlock more borrowing options
Gifted deposit helped them buy their first home
Family support opened up more mortgage options
From £280,000 to £400,000+ borrowing
Company profits helped increase borrowing
Higher borrowing across the portfolio
Specialist lending helped overcome ICR restrictions
Borrow up to 6× your income
Higher borrowing for eligible professionals
Why Choose West Wales Money?
Mortgage & Protection Adviser
CeMAP & CeRER Qualified
30+ Years’ Experience
30+ years’ experience — helping clients achieve better outcomes
Access to 170+ lenders — including specialist options others may not use
Complex income expertise — directors, landlords and self-employed
One-to-one advice — no call centres, no being passed around
Structured approach — designed to maximise your borrowing potential
The result? A mortgage solution that makes the most of your borrowing potential
Access to 170+ lenders, including specialist options for a wider range of circumstances.
Many lenders don’t fully count complex income — especially for company directors and the self-employed.
That means:
The result? You’re stopped from buying the property you actually want.
But with the right lender and structure — you can often borrow more and get approved.
So nothing is missed — including dividends, retained profits, and other income
So you’re not restricted by high street criteria
So you maximise your borrowing and improve your chances of approval
With 30+ years’ experience, I know how to get complex cases approved — where others say no
Yes — I charge a professional fee for personalised mortgage advice and support
Yes — a decline from one lender doesn’t mean you’re out of options
Yes — I help company directors and landlords with limited company and SPV mortgages
Your salary, dividends and company profits could all help increase your borrowing
Yes — I specialise in helping directors, landlords and self-employed clients make the most of complex income
We discuss your circumstances, plans and mortgage requirements.
I review your income, deposit, commitments and future plans.
I search for lenders whose criteria suit your circumstances.
You receive a clear mortgage recommendation based on your needs.
I manage your mortgage application through to completion.
Speak directly for clear, no-pressure advice
Call Now: 01267 887434Send your details and I’ll get back to you
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