Carmarthen-based, UK-wide service
Mortgages for Over 50s Made Easy
I work with specialist lenders offering interest only with no fixed repayment term, so you won’t need to sell your home
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No Age Limits
Apply at any age—no restrictions
Interest-Only Mortgages
Benefit from reduced monthly repayments to suit your budget
Bad Credit Friendly
Solutions for those with adverse credit
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What Clients Say About Working With Me
Common Hurdles in Getting Mortgages for Over 50s
Maybe, you’ve encountered these common issues where the bank has declined your application
Have you faced setbacks when applying for a mortgage, like the bank declining your application? You’re not alone. Here are some of the most common hurdles borrowers over 50 encounter:
- Age Restrictions: Many lenders require mortgages to be repaid by age 70 or 75, which limits the term length and, in turn, affordability options.
- Shorter Mortgage Terms: A reduced term often leads to higher monthly repayments, making it harder to manage on a fixed income.
- Proving Retirement Income: Demonstrating future income from pensions, investments, or part-time work can be complex, particularly if retirement is still a few years away.
- Affordability Scrutiny: Lenders tend to scrutinise income stability more closely for over-50s borrowers, demanding detailed financial evidence.
- Lower Loan-to-Value (LTV) Ratios: You may find lenders offering lower LTV limits, meaning you’ll need a larger deposit or more equity in your property.
These challenges can feel frustrating and overwhelming—but here’s the good news: I specialise in helping individuals over 50 navigate these challenges to successfully secure a mortgage.
Take the first step today. Call me on 01267 887434 or click below to book your complimentary mortgage review.
Flexible Income Options
Employment income considered up to age 80
Quick Mortgage Decisions
Quick approvals from 170+ lenders
Remortgage Flexibility
Capital raising, debt consolidation, gifting to family members and more
Why Choose Me to Secure Your Mortgage?
Personalised Service with Expert Guidance
Hi, I'm Lyndsey!
With over 30 years of experience, I specialise in making mortgages accessible and stress-free for individuals over 50. Whether you’re downsizing, remortgaging, or planning for retirement, I offer:
- Personalised Solutions
- Tailored mortgage advice that aligns with your financial goals and circumstances.
- Access to Specialist Lenders
- Connections with lenders offering flexible terms for later-life borrowers.
- Hassle-Free Process
- I handle all the paperwork and lender negotiations, saving you time and effort.
- Save Money
- Expert guidance to secure competitive rates and avoid costly mistakes.
- Proven Expertise
- A history of success in helping clients secure mortgages tailored to their needs.
- Flexible and Available
- I’m here to help whenever you need support, working around your schedule—and I’m only a phone call away.
My mission?
Simplifying Mortgages for Over 50s!
Let’s Simplify Your Mortgage Process in Just 4 Steps
Mortgage Advice in
4 Simple Steps
Navigating mortgages in your 50s doesn’t have to be overwhelming. Here’s how I make it straightforward and stress-free:
- Initial Consultation
- A friendly chat to understand your financial situation, goals, and affordability for personalised advice.
- Tailored Analysis
- I’ll calculate how much you can borrow, considering all income sources and commitments.
- Lender Search
- Accessing over 170 lenders, I’ll find the best rates and terms for your needs.
- Ongoing Support
- From application to completion, I’ll guide you every step, keeping you informed and stress-free.
Take the first step today—call me on 01267 887434 or click below to book your complimentary mortgage review.
Pay Less, Borrow Smart Tailored Mortgage Strategies for Over 50s
Explore Flexible Mortgage Solutions Designed for Your Stage of Life
Case Study
Case Study 1: Helping Chris and Sue Regain Financial Freedom
Client Profile: Chris, 74, a successful business owner, and Sue, 71, a homemaker with health challenges, lived in a 4-bedroom detached home but wanted to downsize to a smaller two-bedroom bungalow.
The Challenge: Their mortgage term had ended four months before we met, and they were under pressure from their lender to repay. After 12 months on the market, their home had little interest due to its dated condition, and they couldn’t afford the necessary improvements. Despite seeking help from other brokers, no mortgage solutions had been secured, leaving them considering auctioning their home under duress.
My Solution: I found a specialist lender who recognised thier unique circumstances and approved a flexible, no-term interest only mortgage. This allowed them to raise funds for renovations, enhancing their home’s market appeal. With the financial pressure eased, Chris and Sue gained the flexibility to sell on their own terms, avoiding a rushed auction and maximising their property’s value.
Outcome: Chris and Sue regained control over their finances, allowing them to focus on Rose’s recovery and make property updates. With time on their side, they’re now downsizing to a smaller home on their own terms, secure in their financial future.
Client Testimonial:
Trusted Partners for Your Mortgage Needs
Access Better Deals and Reduce Your Monthly Repayments with Tailored Mortgage Options from 170+ Lenders
Discover Your Mortgage Options After 50 – Start Now
Call me today on 01267 887434 or book your review
West Wales Money
Unit 4 St Catherine’s Walk
Carmarthen
SA31 1GA
Tel: 01267 887434
Email: info@westwalesmoney.co.uk
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.
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.