Carmarthen Based – UK Wide Service
Carmarthen Based – UK Wide Service
Solutions for Complex Income and Bad Credit, to Boost Your Approval Chances
Fast Approval from Over 170+ Specialist Lenders
Flexible online, office, or after-hour phone appointments available
Struggling to Get Approved for a Mortgage? You’re Not Alone
Typical Frustrations Homeowners Face:
✓ Feeling overwhelmed by confusing lender rules and complex paperwork
✓ Worrying about whether your income type will be accepted
✓ Experiencing slow responses or being kept waiting for decisions
✓ Being turned away by high street banks without clear reasons
✓ Feeling stressed about how much you can actually afford to borrow
✓ Losing confidence after past mortgage rejections
✓ Doubting whether you’re being offered the best deal for your situation
Ready to find the right mortgage for you?
Call me today on 01267 887434 or Book Your Complimentary Mortgage Review
Whether you’re employed, self-employed, or have a mix of income sources, I structure your application to reflect your true affordability — not just what a bank’s algorithm says.
From Carmarthen to Cross Hands, I know which lenders are most flexible with local properties, leaseholds, and valuations — helping you avoid hidden snags.
You’ll speak with me — not a team or a switchboard. Every application is handled personally, so nothing gets lost in translation.
I’ve seen it all — from declined applicants to complex cases. I know how to navigate lender rules, fast-track paperwork, and improve your chance of success.
With over 30 years’ experience, I specialise in helping clients in Carmarthen and across the UK secure the right mortgage — especially those with complex income, self-employment, or company director status.
Here’s what makes working with me different:
✔️ Personal, one-to-one service — you’ll always deal directly with me
✔️ No call centres, no pushy sales teams
✔️ Access to 170+ specialist lenders for better rates and tailored solutions
✔️ Expert guidance for self-employed and limited company borrowers
To simplify the mortgage process and help you secure a better deal — saving you time, stress, and money on your monthly repayments.
Mortgage Advice in
4 Simple Steps
Follow These Four Simple Steps to Secure Your Mortgage:
Initial Consultation
Discuss your goals, income, and affordability to find the best options.
Mortgage Research
I search over 170 lenders to match you with the right mortgage deal.
Application Support
Handle all paperwork, documentation, and lender communications for you.
Approval and Completion
Guide you through approval, valuation, and offer all the way to completion.
From consultation to completion, I’m here to guide you every step of the way — until you receive the keys to your new property.
Smarter Mortgages Guide
Expert tips to find the right mortgage and lower your payments.
✔️ Used 100% of the most recent year’s income
✔️ Included retained profits in the affordability calculation
✔️ Allowed higher income multiples ideal for first-time buyers with strong earnings
“As first-time buyers, we didn’t think we’d be able to borrow enough — but Lyndsey knew exactly how to present our income and found a lender that made it happen. We’re now in our dream home.”
— Emily & Tom, Self-Employed Buyers
Their interest-only mortgage was coming to an end
The lender required full repayment, but they had no lump sum
Age restrictions limited remortgage options
Most lenders either declined them or offered short terms with high monthly repayments
✔️ Had no upper age limit
✔️ Accepted retirement income and pensions
✔️ Allowed interest-only repayments without a set end date
“We were worried we’d lose our home when the mortgage ended. Lyndsey found a lender who understood our situation and gave us the reassurance we needed. We now have a long-term solution that works.”
— Mark & Linda, Retired Homeowners
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.
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.
