FIND THE RIGHT MORTGAGE
MAXIMISE YOUR
BORROWING
Looking to borrow more? I’ll compare lenders to help maximise your borrowing potential
Access 170+ Lenders
Same-Day DIP Available
Speak Directly to a Specialist
Professionals
Borrow Up to 6× Your Income
First-Time Buyers
Borrow With Family Support
Company Directors
Borrow More Using Company Profits
Carmarthen Based — Trusted Across the UK
NOT BORROWING ENOUGH?
HERE’S WHY
- Been declined or offered less than expected? You’re not alone.
Many lenders don’t fully count complex income — especially for company directors and the self-employed.
That means:
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:
COULD THE RIGHT MORTGAGE ADVICE
MAKE ALL THE DIFFERENCE?
Finding a Mortgage Can Feel Complicated
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
You Could Have More Options
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
WHY THE RIGHT MORTGAGE ADVICE MATTERS
Going Direct to One Lender Could Limit Your Options
ONE LENDER, ONE SET OF RULES
Every lender assesses affordability, income and circumstances differently
THE LOWEST RATE MAY NOT BE THE RIGHT FIT
A low rate means little if you don't meet the lender's criteria or the mortgage isn't right for you
GETTING IT WRONG CAN COST TIME
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
HOW I HELP YOU FIND
THE RIGHT MORTGAGE
Step 1: Understand Your Circumstances
We’ll discuss your income, deposit, commitments and what you want to achieve.
Step 2: Search Your Mortgage Options
I’ll research lenders and mortgage options suited to your individual circumstances.
Step 3: Guide You From Application to Completion
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
Mortgage Advice Built Around You
Personal mortgage advice built around your circumstances and what you want to achieve
REAL CLIENTS. REAL MORTGAGE RESULTS.
FIRST-TIME BUYERS
Helped first-time buyers understand their borrowing options and secure a mortgage for their first home.
COMPANY DIRECTORS
Helped company directors find lenders able to consider salary, dividends and other relevant income.
HOME MOVERS
Helped clients understand their budget and secure the mortgage for their next home.
PROPERTY INVESTORS
Helped landlords and property investors find mortgage solutions suited to their portfolio and plans.
WHY WORK WITH WEST WALES MONEY?
Lyndsey Rowe
Mortgage & Protection Adviser
CeMAP & CeRER Qualified
30+ Years’ Experience
Personal Mortgage Advice — Not a Call Centre
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
— FREQUENTLY ASKED QUESTIONS—
How It Works
1
Discovery Call
We discuss your circumstances, plans and mortgage requirements.
2
Financial Review
I review your income, deposit, commitments and future plans.
3
Lender Research
I search for lenders whose criteria suit your circumstances.
4
Recommendation
You receive a clear mortgage recommendation based on your needs.
5
Application Support
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.
DO YOU CHARGE A FEE?
Yes. I charge a professional fee based on your circumstances and the work involved.
WHY USE A MORTGAGE BROKER?
I’ll research suitable lenders and mortgage options based on your individual circumstances.
HOW MUCH COULD I BORROW?
This depends on your income, commitments, deposit and circumstances. I’ll help you understand your options.
SELF-EMPLOYED OR COMPANY DIRECTOR?
Yes, I can help with salary, dividends, retained profits and other income sources.
DO YOU HELP FIRST-TIME BUYERS?
Yes. I’ll guide you from understanding your budget through to mortgage completion.
DO I NEED TO LIVE IN CARMARTHEN?
No. I’m based in Carmarthen and help clients across West Wales and the UK.
Call Me Now
Speak directly for clear, no-pressure advice
Call Now: 01267 887434Email Me
Send your details and I’ll get back to you
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30+ years’ experience
•
No obligation
•
Speak directly to me
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.
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