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Looking to borrow more? I’ll compare lenders to help maximise your borrowing potential
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Borrow Up to 6× Your Income
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Borrow More Using Company Profits
EXCELLENT
Based on 57 reviews
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Steve RileyTrustindex 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 DaviesTrustindex 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 PearsonTrustindex 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 DaviesTrustindex 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 GodsallTrustindex 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 DaviesTrustindex 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 BannonTrustindex 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 DixTrustindex 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 EdwardsTrustindex 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![]()
billkelly888Trustindex 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!
Many lenders don’t fully count complex income — especially for company directors and the self-employed.
Your income isn’t fully used
You’re matched with the wrong lender
You’re offered less than you should be
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.
👉 Find out what you could actually borrow — with the right approach:
Buying, moving or remortgaging? Your circumstances can affect which lenders and mortgage options are available
Self-employed or company director
First-time buyer
Moving home
Remortgage
Buy-to-Let or property investor
Credit issues or unusual circumstances
Lenders assess applications differently. I’ll understand your circumstances and find the mortgage options that fit.
Affordability varies between lenders
Lenders assess income differently
Specialist circumstances, specialist lenders
Lowest rate isn't always the best fit
Every lender assesses affordability, income and circumstances differently
A low rate means little if you don't meet the lender's criteria or the mortgage isn't right for you
Applying to an unsuitable lender can mean delays, frustration or having to start again
You could have suitable mortgage options you haven't considered.
That's where experienced mortgage advice can make the difference.
How I Help You Find the Right Mortgage
We’ll discuss your income, deposit, commitments and what you want to achieve.
I’ll research lenders and mortgage options suited to your individual circumstances.
I’ll manage your mortgage application and keep you updated throughout the process.
The result? Clear mortgage advice and personal support from your first conversation through to completion.
30+ years’ experience • Personal advice • Carmarthen based
Helped first-time buyers understand their borrowing options and secure a mortgage for their first home.
Helped company directors find lenders able to consider salary, dividends and other relevant income.
Helped clients understand their budget and secure the mortgage for their next home.
Helped landlords and property investors find mortgage solutions suited to their portfolio and plans.
Mortgage & Protection Adviser
CeMAP & CeRER Qualified
30+ Years’ Experience
30+ years’ experience — helping clients find the right mortgage
Wide choice of lenders — including specialist mortgage options
Straightforward & complex cases — from first-time buyers to company directors and landlords
One-to-one advice — deal directly with me throughout your mortgage journey
Carmarthen based — helping clients across West Wales and the UK
The difference? Personal advice, clear communication and support from start to finish.
FREE GUIDE: HOW TO PREPARE FOR A MORTGAGE
What to consider before applying — from affordability and deposits to documents and lender criteria
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.
Tell me what you’re looking to achieve and I’ll help you understand your mortgage options.
Yes. I charge a professional fee based on your circumstances and the work involved.
I’ll research suitable lenders and mortgage options based on your individual circumstances.
This depends on your income, commitments, deposit and circumstances. I’ll help you understand your options.
Yes, I can help with salary, dividends, retained profits and other income sources.
Yes. I’ll guide you from understanding your budget through to mortgage completion.
No. I’m based in Carmarthen and help clients across West Wales and the UK.
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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.
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.
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