Carmarthen-based, UK-wide service
Available at Any Age – No Need to Sell Your Home
Reduce Your Monthly Mortgage Costs
Unlock Funds for a Better Retirement | Home Improvements or Debt Consolidation
EXCELLENT Based on 32 reviews Alice Oxenham2025-06-29Trustindex verifies that the original source of the review is Google. We have found Lyndsey at West Wales Money an absolute pleasure to work with. We had a very difficult situation making mortgage applications tricky… Lyndsey went above and beyond in helping us to get it all sorted. Even giving up his weekends to video call us. His knowledge is first class and his personable manner makes him very approachable and easy to deal with. Bethan Grimes2025-06-28Trustindex verifies that the original source of the review is Google. Lyndsey has been incredibly knowledgeable and helpful. No time is too much so we feel very looked after and confident he is finding the best possible deals for our circumstances. Definitely recommend 😊 Nataliya Sakhno2025-06-16Trustindex verifies that the original source of the review is Google. West Wales Money helped my husband & I to remortgage our BTL properties in London. We found Lyndsey efficient and well informed and he found us suitable lender in a short time. Highly recommended. I will be using West Wales Money in the future. Laura Evans2025-06-12Trustindex verifies that the original source of the review is Google. Excellent support and guidance through the mortgage process which was extremely helpful as I'm a first time buyer. Lyndsey responded to emails promptly even working on the mortgage application over multiple bank holiday's! Louise Brooke2025-06-10Trustindex verifies that the original source of the review is Google. Lyndsey has been very helpful in advising on and securing me a mortgage offer for my property purchase, making the process a lot easier and smoother than trying to do it all myself. Would recommend using his broker services! Steven Lovell2025-05-02Trustindex verifies that the original source of the review is Google. I had the pleasure of dealing with Lyndsey who has gone above and beyond in securing our needs regarding a mortgage. very thorough with everything, straight to the point with any queries that we had . Very helpful and a successful outcome. Highly recommend the services provided, no hassle and stress free . bajko zoltan2025-04-21Trustindex verifies that the original source of the review is Google. We had a great experience working with Lyndsey as our mortgage advisor. From the very beginning, he provided a well-detailed and carefully planned mortgage that felt safe and affordable for us. He was always dedicated and supportive throughout the process. Anytime we faced an issue, Lyndsey was quick to respond and incredibly helpful in resolving it. I would highly recommend him to anyone looking for a reliable and trustworthy mortgage advisor. Christopher Turner2025-03-23Trustindex verifies that the original source of the review is Google. I had the pleasure of working with Lyndsey at West Wales Money, and I can't recommend his services highly enough. My mortgage situation was not straightforward, but Lyndsey's expertise and attention to detail made the entire process smooth and stress-free. He took the time to understand my circumstances, provided clear advice, and found a tailored solution that worked perfectly for me. His professionalism, personal approach, and ability to navigate tricky cases set him apart. If you need a mortgage broker who truly goes the extra mile, Lyndsey is the one to call! Fiona Hobden2025-03-07Trustindex verifies that the original source of the review is Google. Excellent service, understood what we needed & helped us achieve the outcome we were looking for. Jayne Williams2025-02-11Trustindex verifies that the original source of the review is Google. Lyndsey has been brilliant. He made the whole process easy, and whenever any issues came up, he was there to help whenever we needed it. He has made the daunting process of securing a mortgage easy for us. I would highly recommend him to anyone who is looking to get a mortgage He really was a godsend.
Why Retirement Mortgages Feel Out of Reach – Even If You Qualify
Here’s why interest-only mortgages often get rejected — and how I help you get around it.
✔ Declined despite a large deposit
✔ Lenders don’t accept pension, dividend, or asset income
✔ Age limits cut off affordable options
✔ No repayment plan? Some lenders won’t consider you
✔ Call centres offer no guidance on retirement lending
⚡ If this sounds familiar, it’s not your fault — it’s just that most lenders don’t understand later-life borrowers. That’s where my specialist advice makes all the difference.
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✔️People using pensions, assets, or investments
✔️Existing interest-only mortgage holders
✔️Clients needing cashflow relief
✔️Retirees or semi-retired clients
✔️Borrowers up to age 95
🔍 Mortgages Designed Around Your Income and Future Plans
Whether you’re self-employed, a landlord, or have complex income — I help structure interest-only deals that work with your long-term strategy and repayment plan.
🏡 Specialist Lenders Who Understand Flexible Borrowing
I connect you with lenders who consider more than just salary — including investment income, rental yield, and profits — and allow borrowing up to age 95.
🤝 Direct Access to Me – No Call Centres or Sales Teams
You’ll always deal with me personally, so you get expert guidance without the hassle of being passed around.
🧠 30+ Years of Experience Solving Mortgage Challenges
From interest-only term-end problems to affordability issues and unusual income setups — I’ve helped clients get approved where others said no.
✔️ 30+ years’ experience helping clients across the UK
✔️ Specialist in interest-only, later-life, and flexible lending
✔️ Access to lenders who go beyond the high street
✔️ Personal, one-to-one service — no call centres
✔️ Access to over 170 lenders — including those offering specialist interest-only mortgages.
To make interest-only mortgages simple and stress-free
Mortgage Advice in
4 Simple Steps
📞 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.
Free Guide: The Smart Borrower’s Guide to Interest-Only Mortgages
Borrow More, Stay Independent, and Keep Your Home
👩💼 Client Profile:
David and Anne, a couple nearing retirement, were looking to remortgage their home with an interest-only option to keep monthly payments low. Their goal was to enjoy retirement without financial strain, using pension income and a future downsizing plan as their repayment strategy.
⚠️ The Challenge:
• Most high-street lenders offered limited, inflexible options due to their age.
• They needed to show a clear repayment plan using pensions and future downsizing.
• Their priority was to keep monthly payments low so they could enjoy retirement—not feel restricted by it.
🔍 My Solution:
✔️ I matched them with a specialist lender that accepts interest-only applications up to age 95 and is comfortable with pension income and a downsizing strategy.
✔️ I worked closely with David and Anne to build a strong case, clearly presenting their repayment plan.
✔️ I ensured their income sources, goals, and future plans were fully understood by the lender to support a smooth approval process.
✅ Outcome:
• David and Anne were approved by a lender that met their retirement-friendly needs.
• Their new interest-only mortgage aligned with their pension income and future downsizing plan.
• Monthly payments were kept low, giving them the freedom to enjoy their retirement years.
• The process was handled end-to-end, with clear communication and expert support throughout.
💬 Client Testimonial:
“Lyndsey made everything so easy and straightforward. She kept us informed every step of the way — we’re absolutely delighted with the result!”
— David & Anne, Carmarthenshire
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.
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.