SPECIALIST MORTGAGES

MADE SIMPLE






Helping company directors, self-employed professionals and property investors secure the mortgage they need

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SELF-EMPLOYED

Mortgages with one year’s accounts

COMPANY DIRECTORS

Salary, dividends & company profits

PROFESSIONAL MORTGAGES

Borrow up to 6× your income

TRUSTED BY HOMEOWNERS, DIRECTORS & PROPERTY INVESTORS

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Steve Riley
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Great service, prompt replies, kept us up to date frequently. Only one issue due to a miscommunication which was resolved, thank you.
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Tracy Davies
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Lyndsey has supported us to secure a mortgage offer. Would recommend his services if need professional advice on mortgage applications and options available.
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Annabelle Pearson
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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.
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Jamie Davies
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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!
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Richard Godsall
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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!!
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Samantha Davies
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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.
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Sam Bannon
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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.
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Liam Dix
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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.
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Sally Edwards
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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!
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billkelly888
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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!

BEEN DECLINED OR RESTRICTED?

Interest-only mortgage advice – middle-aged couple reviewing finances on a laptop at home
THIS IS FOR YOU IF YOU’VE BEEN DECLINED OR RESTRICTED

Most clients I speak to come to me after being declined — or told they can’t borrow enough

✔️ You’re a company director and want to borrow more using your full income
✔️ You have retained profits but lenders aren’t using them
✔️ You’re a portfolio landlord being restricted by stress tests
✔️ Your borrowing has been reduced or declined
✔️ You’ve been told “no” without a clear solution

With the right approach, many go on to secure the borrowing they actually need.

YOU SHOULD BE ABLE TO BORROW MORE

Couple in their fifties reviewing paperwork and laptop while planning an interest-only mortgage strategy

You should be able to borrow more — but something is holding you back

If this sounds familiar, you’re not alone —

Your income looks strong, but lenders won’t use all of it

You’re a director, but only your salary is being considered

Your borrowing has been reduced at remortgage

You’re being restricted by buy-to-let stress tests

You’ve been declined without a clear explanation

In many cases, it’s not your situation — it’s how your case is assessed.

HOW I HELP YOU MOVE FORWARD​

Couple receiving professional advice and agreeing interest-only mortgage plan with advisor

Identify what’s limiting your borrowing

We assess your income, structure and goals — not just what a calculator says

Restructure your case to increase what you can borrow

Using retained profits, lender criteria and the right approach to maximise your borrowing

Secure the right lender

Access lenders who understand complex income and get your application moving quickly

EXPLORE YOUR OPTIONS

Lyndsey Rowe, Mortgage & Protection Adviser at West Wales Money, in his home office during a video consultation with dual monitors displaying the West Wales Money logo.

Lyndsey Rowe

Mortgage & Protection Adviser

CeMAP & CeRER Qualified
30+ Years’ Experience


✅ 30+ Years’ Experience
Trusted advice from an experienced Mortgage & Protection Adviser.


✅ Access To 170+ Lenders
Flexible mortgage solutions for Company Directors.


✅ Direct Adviser Access
One-to-one support throughout the process.


✅ Mortgage & Protection Expertise
Joined-up advice for both borrowing and protection planning.


About Lyndsey Rowe

For over 30 years, I have helped Company Directors navigate complex mortgage and protection requirements with clear, personal and specialist advice.

FIND OUT HOW MUCH YOU CAN BORROW

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

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