Mortgage Broker Carmarthen & West Wales

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

Request a Call Back

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

      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!

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

Discovery Call

We discuss your circumstances, plans and mortgage requirements.

Financial Review

I review your income, deposit, commitments and future plans.

Lender Research

I search for lenders whose criteria suit your circumstances.

Recommendation

You receive a clear mortgage recommendation based on your needs.

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 887434

Email Me

Send your details and I’ll get back to you

Get Advice by Email

✓ 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.