⭐ 5★ Google Reviews ✅ 30+ years’ experience 🏦 Access to 170+ lenders

SELF-EMPLOYED MORTGAGES — BORROW MORE WITH THE RIGHT LENDERS

Use your full income — and get approved, even if you’ve been declined

Request a call back

Borrow Based on Your Income

Salary, Dividends & Net Profit

More Mortgage Choice

Specialist Self-Employed Lenders

Direct Access to a Specialist

Personal Mortgage Advice

      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!

STRUGGLING TO GET THE BORROWING YOU EXPECTED?

If you’re self-employed, many lenders don’t assess your income properly.

That means:

❌ Dividends or net profits aren’t fully counted
❌ You’re matched with the wrong lender
❌ You’re offered less than you should be — or declined

The result? You can’t move forward with the property you want.

HOW I HELP SELF-EMPLOYED CLIENTS BORROW MORE

1️⃣ Use your full income correctly
So nothing is missed — including dividends, retained profits, and net profit

2️⃣ Match you with the right lenders
Not just high street — but lenders who understand self-employed applicants

3️⃣ Structure your application properly
So you maximise your borrowing and improve your chances of approval

👉 FIND OUT WHAT YOU COULD BORROW — BEFORE YOU APPLY

WHY SELF-EMPLOYED CLIENTS COME TO ME

Lyndsey Rowe

Mortgage & Protection Adviser
CeMAP & CeRER Qualified
30+ Years’ Experience

Borrow more as a self-employed applicant — with specialist advice

✅ Access to 170+ lenders
Including specialist options most brokers don’t use
So you can borrow more

✅ Specialist in self-employed and company director income
Salary, dividends and retained profits
Used correctly to maximise borrowing

✅ One-to-one service throughout
Direct support from start to finish
No confusion, no delays

✅ 30+ years’ experience
Helping clients across the UK
So you can move forward with confidence

My goal is simple: to help you borrow what you should be able to — not what lenders limit you to

YOUR MORTGAGE — MADE SIMPLE, CLEAR AND STRESS-FREE

A SIMPLE, STRUCTURED APPROACH — DESIGNED TO GET YOU APPROVED

☎️ STEP 1: DISCOVERY CALL

We understand your income, structure, and goals
So we can identify what you could actually borrow

🔍 STEP 2: RIGHT LENDER STRATEGY

We match you with lenders who understand self-employed income
So your full income is used — not restricted

📄 STEP 3: STRUCTURED APPLICATION

Your case is packaged and presented correctly from the start
So you maximise borrowing and avoid unnecessary delays

✅ STEP 4: FULL SUPPORT TO COMPLETION

We manage the process from application through to offer and completion
So you can move forward with confidence — without the stress

Most problems don’t come from your situation — they come from using the wrong lenders or approach.

FIND OUT WHAT YOU CAN REALLY BORROW — BEFORE YOU APPLY

Call Me Now

Speak directly for clear, no-pressure advice

Call Now: 01267 887434

Email Me

Send your details and I’ll get back to you

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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.