Mortgage Broker Carmarthen & West Wales

FIND THE RIGHT MORTGAGE

FOR YOUR PROPERTY PORTFOLIO

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

Request a Call Back

Borrow More

Flexible lender stress tests

Finance Your Portfolio

Ltd companies, HMOs & multiple properties

One-to-One Advice

Direct adviser access

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!

IS YOUR PORTFOLIO
LIMITING YOUR BORROWING?

Is Your Portfolio Holding Back Your Growth?

As your portfolio grows, lender criteria can get tougher

Are stress tests limiting your borrowing?

Have you reached your current lender’s limits?

Do you own properties through a limited company?

Are HMOs or specialist properties limiting your options?

Do you want to release equity to invest again?

The right lender could give you more options to finance your next property.

THE WRONG LENDER COULD
LIMIT YOUR GROWTH

What can hold you back

Some lenders may struggle with larger or more complex portfolios

Strict rental stress tests

Limits on portfolio size

Limited company restrictions

HMOs or specialist properties declined

Less borrowing for your next purchase

What you could be missing

The right lender could open up more options

More flexible stress tests

Higher borrowing potential

Specialist portfolio lenders

Ltd company & HMO options

More ways to finance your next investment

HOW I HELP FINANCE
YOUR PORTFOLIO

Step 1: Know Your Position

Understand your borrowing options and what your portfolio could support.

Step 2: Access More Lenders

Compare options from 170+ lenders, including portfolio specialists.

Step 3: Finance Your Next Move

Structure your borrowing to purchase, refinance or grow your portfolio.

The outcome? More borrowing options to help grow your portfolio.

THE RIGHT LENDER MAKES THE DIFFERENCE

WHY WORK WITH WEST WALES MONEY?

Lyndsey Rowe

Mortgage & Protection Adviser

CeMAP & CeRER Qualified
30+ Years’ Experience

Specialist Mortgage Advice for Property Investors

30+ Years’ Experience — Experienced mortgage guidance

170+ Lenders — More options for your portfolio

Property Investor Expertise — Understanding complex portfolios and BTL lending

One-to-One Advice — deal directly with me throughout

UK-Wide Advice — Zoom, Teams or phone appointments

The difference? Specialist advice focused on financing your portfolio and your next investment.

Financing Your Property Portfolio

Discovery Call

We discuss your portfolio, investment plans and borrowing needs.

Portfolio Review

I review your properties, mortgages, rental income and borrowing position.

Lender Research

I compare suitable options from 170+ lenders, including portfolio specialists.

Recommendation

I explain your options and recommend a suitable mortgage solution.

ApplicatioN

I manage your application and keep you updated throughout.

— FREQUENTLY ASKED QUESTIONS—

HOW MANY PROPERTIES MAKE ME A PORTFOLIO LANDLORD?

Generally, lenders treat you as a portfolio landlord if you have four or more mortgaged buy-to-let properties

CAN I BORROW MORE IF STRESS TESTS ARE LIMITING ME?

Potentially. Different lenders use different rental stress tests and affordability criteria

CAN I RAISE EQUITY FROM MY PORTFOLIO?

Potentially. You may be able to refinance existing properties to release capital for further investment

CAN I GET A MORTGAGE THROUGH A LIMITED COMPANY?

Yes. Many lenders offer mortgages for property investment through an SPV limited company

CAN YOU HELP WITH HMOs AND COMPLEX PROPERTIES?

Yes. I can research specialist lenders for HMOs and more complex property types

DO YOU ADVISE PORTFOLIO LANDLORDS ACROSS THE UK?

Yes. I’m based in Carmarthen and advise property investors across the UK

Speak to an Adviser

Speak directly for clear, no-pressure advice

Call Now: 01267 887434

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✓ 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.