5-Star Google Reviews 170+ Lenders 30+ Years’ Experience

PORTFOLIO LANDLORD MORTGAGES TO HELP GROW YOUR PROPERTY PORTFOLIO

Access specialist lenders and flexible criteria designed to maximise borrowing and support your portfolio growth

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Maximise Your Borrowing Power

Lower Stress Testing with Selected Lenders

Grow Your Property Portfolio

Access to Specialist Portfolio Lenders

Direct Access to a Specialist

Dedicated Support from Start to Finish

Trusted by portfolio landlords and property investors

      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!

Avoid These Costly Mistakes Portfolio Landlords Make

Many landlords are declined or restricted — even with strong deals.

❌ Borrowing capped despite strong rental income
❌ Retained profits ignored
❌ Strict stress tests reduce affordability
❌ Limited company structures limit options
❌ Conflicting answers from lenders

👉 These mistakes can reduce your borrowing — and limit how fast you grow your portfolio.

HOW LENDERS REDUCE YOUR BORROWING — WITHOUT YOU REALISING

WHY YOUR BORROWING IS BEING REDUCED

Lenders apply stress testing — and this is often what limits how much you can borrow.

❌ Rental income is assessed more conservatively than actual payments
❌ Higher stress rates reduce your borrowing capacity
❌ You may be asked to lower the loan or increase your deposit
❌ Different lenders produce very different outcomes

👉 Choosing the right lender can significantly increase your borrowing.

HOW STRESS TESTING AFFECTS BORROWING

Example: Same Property & Rental Income

Stress Test	Max Borrowing	Difference
125%	£308,246	Highest borrowing
135%	£282,143	- £26,103
145%	£263,635	- £44,611

Same deal. Same rent. Different lender = significantly different borrowing

BORROW MORE ACROSS YOUR PORTFOLIO — WITH THE RIGHT STRUCTURE

Most lenders limit your borrowing — the right structure unlocks it across your entire portfolio

INCREASE BORROWING ACROSS YOUR ENTIRE PORTFOLIO

Portfolio landlords are often restricted by stress testing, exposure limits and unsuitable lenders. The right strategy can unlock higher borrowing across multiple properties.

✔ Increase borrowing across multiple properties
✔ Access lenders built for portfolio landlords
✔ Avoid stress testing restrictions that limit growth

See what you could borrow — before you apply →

BUILD A PORTFOLIO THAT SCALES — WITHOUT RESTRICTIONS

Whether you use SPVs, limited companies or personal ownership, structuring your portfolio correctly can improve approvals and support long-term growth.

✔ Use SPV and limited company structures correctly
✔ Access specialist portfolio lenders
✔ Build a strategy that supports long-term growth

Speak to a portfolio mortgage specialist →

BORROW MORE ACROSS YOUR PORTFOLIO — WITH THE RIGHT LENDER STRATEGY

Lyndsey Rowe

Mortgage & Protection Adviser

CeMAP & CeRER Qualified
30+ Years’ Experience

Lenders assess your whole portfolio — not just one property

✔ Increase total borrowing across multiple properties

✔ Avoid exposure limits that cap your portfolio

✔ Reduce stress testing restrictions across your loans

✔ Structure your portfolio to support long-term growth

The right lender turns restricted borrowing into real growth

Real Portfolio Landlord Success Stories

✔ £750,000 REFINANCED —
HIGHER BORROWING APPROVED

Challenge: A company director wanted to refinance through an SPV but had complex income and multiple properties.

Solution: Income was presented clearly using salary, dividends and accountant-backed figures — then matched to an SPV-friendly lender.

Outcome: £750,000 refinanced, competitive fixed rate secured, and the client was positioned for future portfolio growth.

✔ £200,000 RELEASED —
PORTFOLIO EXPANSION FUNDED

Challenge: An experienced landlord needed to release capital but struggled with lender criteria and portfolio complexity.

Solution: The case was structured for an SPV lender that understood limited company income and portfolio landlords.

Outcome: £200,000 released, stronger cash flow created, and the client gained a clear route to expand further.

DISCOVER HOW I CAN HELP YOU GET APPROVED →

STRUCTURE YOUR PORTFOLIO PROPERLY — AND BORROW MORE

A clear approach to help you borrow more and grow your portfolio

📞 STEP 1: DISCOVERY CALL

👉 Understand your portfolio, income, and goals — so you know what you can borrow

🎯 STEP 2: RIGHT LENDER STRATEGY

👉 Match you with lenders who understand SPVs, portfolios, and complex income — helping you borrow more

🧾 STEP 3: STRUCTURED APPLICATION

👉 Package your case correctly — reducing delays and improving approval chances

✅ STEP 4: FULL SUPPORT TO COMPLETION

👉 We handle everything through to completion — so you can move forward without stress

👉 You only need one lender to say yes — the right one

STRUCTURE YOUR PORTFOLIO — BORROW MORE

See how lenders assess your portfolio — and how to borrow more

FIND OUT HOW MUCH YOU COULD BORROW ACROSS YOUR PORTFOLIO

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

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.