⭐ 5-Star Google Reviews 🏦 170+ Lenders 📈 30+ Years’ Experience

LIMITED COMPANY BUY-TO-LET MORTGAGES FOR PROPERTY INVESTORS

Helping property investors secure higher borrowing potential and expand their property portfolios

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Specialist BTL Company Lenders

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TRUSTED BY LANDLORDS & COMPANY DIRECTORS

      EXCELLENT  
   Based on 57 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Steve Riley 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service, prompt replies, kept us up to date frequently. Only one issue due to a miscommunication which was resolved, thank you.
  
 
      Posted on Google  
   
   Tracy Davies 
 
 
 
 Trustindex verifies that the original source of the review is Google. Lyndsey has supported us to secure a mortgage offer. Would recommend his services if need professional advice on mortgage applications and options available.
  
 
      Posted on Google  
   
   Annabelle Pearson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Lyndsey Rowe of West Wales Money, who has 30 years experience was recommended to us. He has been professional,prompt with up to date progress on our business dealings, always available and easy to communicate with, we couldn’t recommend him highly enough. Thank you.
  
 
      Posted on Google  
   
   Jamie Davies 
 
 
 
 Trustindex verifies that the original source of the review is Google. We couldn’t recommend Lyndsey highly enough! As first-time buyers, the mortgage process felt quite daunting, but Lyndsey made everything so straightforward and stress-free from start to finish. We received excellent service throughout, with great communication, support and guidance every step of the way. We’re so grateful for all the help in getting us our mortgage and making our first home purchase possible. We wouldn’t hesitate to recommend Lyndsey to anyone looking for a mortgage broker, and we’ll definitely be returning in the future. Thank you so much for all your help!
  
 
      Posted on Google  
   
   Richard Godsall 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was very lucky to have had Lyndsey Rowe(West Wales money) recommended to me by a business colleague and  have had an impeccable service from him . He has been extremely helpful and I can not rate him high enough - he has had 36 years experience in this field & it shows!!
  
 
      Posted on Google  
   
   Samantha Davies 
 
 
 
 Trustindex verifies that the original source of the review is Google. We honestly couldn’t recommend Lyndsey highly enough. From the very beginning, he has been incredibly professional, knowledgeable and supportive throughout what can be a very stressful process. As first-time buyers, we had lots of questions and uncertainties, but Lyndsey took the time to explain everything clearly and kept us informed every step of the way. Nothing ever felt like too much trouble, and he was always quick to respond to emails and calls, giving us complete confidence that we were in safe hands.
  
 
      Posted on Google  
   
   Sam Bannon 
 
 
 
 Trustindex verifies that the original source of the review is Google. We have had an excellent experience with Lyndsey Rowe at West Wales Money. From the very beginning, Lyndsey has been clear, professional, responsive and extremely reassuring throughout what can otherwise be quite a stressful process. His advice has been invaluable, and he has made everything feel straightforward and seamless from our side. He has guided us carefully through the mortgage application process, kept us informed at each stage, and helped us secure our mortgage offer with confidence. We are very grateful for all of Lyndsey’s help so far and would be very happy to recommend him to anyone looking for knowledgeable, trustworthy and supportive mortgage advice.
  
 
      Posted on Google  
   
   Liam Dix 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot recommend Lyndsey and his team at West Wales Money enough. Myself and my partner are both first time buyers and we did not understand the process fully. He made the process clear with constant communication and updated us regular through every step of the process. We will definitely be using him again when we are due for our renewal.
  
 
      Posted on Google  
   
   Sally Edwards 
 
 
 
 Trustindex verifies that the original source of the review is Google. Lyndsey and his team are fantastic. They’ve made the whole process of buying a house so much easier. Communication is always quick, professional and friendly. My partner and I have felt supported throughout the whole process. We can’t recommend Lyndsey and his team enough, we’re so grateful to them!
  
 
      Posted on Google  
   
   billkelly888 
 
 
 
 Trustindex verifies that the original source of the review is Google. Outstanding service from Lyndsey from start to finish. Very patient with all our questions and kept us informed of progress promptly. Would highly recommend Lyndsey and will most certainly use him again!

STRUGGLING TO BORROW THROUGH A LIMITED COMPANY

Many landlords are restricted or declined — even with strong deals.

❌ Borrowing capped despite strong rental income
❌ Retained profits ignored
❌ Strict stress testing reduces borrowing
❌ Limited company cases misunderstood
❌ Conflicting advice from lenders and brokers

👉 These issues can reduce how much you can borrow — and limit how fast you grow your portfolio

WHY MOST LIMITED COMPANY BTL APPLICATIONS FAIL

The difference isn’t the deal — it’s how it’s presented and which lender assesses it.

❌ Income assessed incorrectly (dividends only)
❌ Retained profits ignored
❌ Wrong lender for your structure
❌ Stress testing applied too aggressively

👉 These mistakes can reduce your borrowing — even when your case is strong

HOW LENDERS REDUCE YOUR BORROWING — WITHOUT YOU REALISING

WHY YOUR BORROWING IS BEING REDUCED

Lenders apply stress testing — and this is often what limits how much you can borrow.

❌ Rental income is assessed more conservatively than actual payments
❌ Higher stress rates reduce your borrowing capacity
❌ You may be asked to lower the loan or increase your deposit
❌ Different lenders produce very different outcomes

👉 Choosing the right lender can significantly increase your borrowing.

HOW STRESS TESTING AFFECTS BORROWING

Example: Same Property & Rental Income

Stress Test	Max Borrowing	Difference
125%	£308,246	Highest borrowing
135%	£282,143	- £26,103
145%	£263,635	- £44,611

Same deal. Same rent. Different lender = significantly different borrowing

UNLOCK MORE FROM YOUR LTD PROPERTY PORTFOLIO

Many landlords are restricted by their current lender — even when their portfolio could support more borrowing

RELEASE EQUITY TO BORROW MORE

Use your existing BTL properties to unlock more borrowing and fund your next purchase.

✔ Use existing BTL properties to raise capital
✔ Fund deposits for future purchases
✔ Increase borrowing with the right structure

See how much you could release →

BUY MORE BTL PROPERTIES — WITHOUT RESTRICTIONS

The right lender and structure can increase borrowing, reduce stress testing and help you grow faster.

✔ Access limited company BTL lenders
✔ Avoid restrictive stress testing
✔ Build a stronger long-term strategy

See how much you could borrow →

WHAT THIS MEANS FOR YOUR BORROWING

Lyndsey Rowe

Mortgage & Protection Adviser

CeMAP & CeRER Qualified
30+ Years’ Experience

Most lenders misjudge limited company income — reducing your borrowing

✔ Use salary, dividends and retained profits to maximise borrowing

✔ Access lenders who understand limited company structures

✔ Avoid restrictive stress testing that reduces borrowing

✔ Structure your application for stronger approvals

The right lender unlocks your borrowing power

REAL LIMITED COMPANY BTL RESULTS

BORROWED £75,000 MORE USING THE RIGHT LENDER

Many limited company BTL applications are restricted — not because of the deal, but the lender. Using the right lender can significantly increase how much you can borrow.

✔ Access specialist limited company BTL lenders
✔ Avoid unnecessary stress testing restrictions
✔ Structure your application for higher borrowing

See what you could borrow — before you apply →

INCREASED BORROWING USING RETAINED PROFITS

Many lenders ignore retained profits — reducing your borrowing. The right structure allows you to use your full company income and unlock higher lending.

✔ Use salary, dividends and retained profits
✔ Access lenders who assess income correctly
✔ Build a stronger long-term property strategy

Find out what you could borrow →

WHAT HAPPENS WHEN YOU BOOK A DISCOVERY CALL

A simple process designed to get you approved — and maximise your borrowing

📞 Step 1: Discovery call
Understand your situation and goals

🎯 Step 2: Right lender strategy
Identify lenders that fit your limited company case

📝 Step 3: Structured application
Present your case correctly to improve approval chances

✅ Step 4: Full support to completion
From application through to offer and completion

No obligation • Speak to a specialist

Avoid costly BTL mistakes — and borrow more

Learn how lenders assess limited company BTL mortgages — and how to structure your case correctly

FIND OUT HOW MUCH YOU COULD BORROW — BEFORE YOU APPLY

Avoid unnecessary restrictions and get a clear answer based on your limited company setup

Call Me Now

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✓ 30+ years’ experience • ✓ No obligation • ✓ Speak directly to a specialist

Eligibility for a mortgage is subject to status, credit checks, and affordability assessments in accordance with FCA regulations.

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 as 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.