Carmarthen-based, UK-wide service
Interest-Only Mortgages – Lower Monthly Payments, Flexible Terms, Up to Age 95
Enjoy lower monthly payments and greater control over your finances with tailored interest-only solutions available well into later life.
Start Your Interest Only Mortgage Journey Today!
✔ Confidential | ✔ No Obligation | ✔ FCA Registered
Flexible Age Requirements
Available up to age 95 – no need to sell your home
Interest-Only Mortgages
Reduce Your Monthly Mortgage Costs
Remortgage Solutions
Unlock Funds for a Better Retirement | Home Improvements or Debt Consolidation
Trusted by Clients Across the UK Navigate RIO Mortgages
Clients across the UK trust me for expert, personalised advice on interest-only options — whether they’re remortgaging, borrowing in later life, or planning investments
Ready to explore your options with an Interest-Only mortgage? Let’s talk
Why Lenders Say No – Even When You Tick All the Boxes
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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Who This Is Ideal For
✔️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
How I Make Interest-Only Mortgages Simpler – Helping You Borrow Smarter
🔍 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.
Tailored Advice for Interest-Only Borrowers – Without the Call Centres
Hi, I'm Lyndsey!
✔️ 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.
My mission?
To make interest-only mortgages simple and stress-free
Let’s Simplify Your Interest-Only Mortgage in Just 4 Steps
Mortgage Advice in
4 Simple Steps
Here’s how I make securing an interest-only mortgage straightforward:
- Book Your Complimentary Call
- Discuss Your Circumstances & Goals
- Receive Personalised Mortgage Recommendations
- Let Me Handle the Application & Lender Process
Take the first step today—call me on 01267 887434 or book your complimentary mortgage review.
Free Guide: The Smart Borrower’s Guide to Interest-Only Mortgages
Borrow More, Stay Independent, and Keep Your Home
Client Success Story: Lower Payments, Flexible Terms, Greater Freedom
Case Study: Helping David & Anne Secure an Interest-Only Mortgage to Unlock Retirement Freedom
Client Profile:
David and Anne, a retired couple in their early 70s, wanted to release equity from their mortgage-free home to support their retirement lifestyle — but without tying up income in high monthly repayments.
The Challenge:
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Most high-street lenders offered limited, inflexible options due to their age.
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They needed to show a clear repayment plan using pensions and future downsizing.
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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 accepted interest-only applications up to age 95 and was 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.
✔️ Allowed higher income multiples ideal for first-time buyers with strong earnings
Outcome:
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✅ Matched them with a specialist lender that accepts interest-only applications up to age 95
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✅ Chose a lender that was comfortable with pension income and a downsizing repayment strategy
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✅ Worked closely with David and Anne to build a strong application tailored to their needs
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✅ Clearly presented their repayment plan, income sources, and retirement goals to ensure fast, smooth approval
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
Trusted Partners for Your Mortgage Needs
Access Better Deals and Reduce Your Monthly Repayments with Tailored Mortgage Options from 170+ Lenders
Discover Your Interest-Only Mortgage Options
Specialist advice on interest-only mortgage options — helping borrowers across the UK reduce monthly repayments and retain control of their capital
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.