Mortgage Broker Carmarthen & West Wales

Mortgage Broker Carmarthen & West Wales

SPV MORTGAGES FOR

PROPERTY INVESTORS




Specialist SPV and Limited Company Buy-to-Let mortgage options



Request a Call Back

More Lender Choice

Specialist SPV options

Buy Your First BTL

First-time landlords accepted

One-to-One Advice

Direct adviser access

Trusted by landlords and property investors

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Steve Riley profile picture
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 profile picture
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 profile picture
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 profile picture
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 profile picture
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 profile picture
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 profile picture
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 profile picture
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 profile picture
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!

IS YOUR SPV LIMITING
YOUR MORTGAGE OPTIONS?

Finding the Right SPV Lender Isn’t Always Easy

SPV mortgage criteria can vary significantly between lenders

Is your company structure limiting your lender choice?

Are rental stress tests restricting your borrowing?

Are you a first-time landlord struggling to find options?

Is your property type causing problems?

Are lender criteria holding back your next purchase?

The wrong lender could mean fewer options for your property investment

Property investors reviewing a property portfolio and mortgage options with an adviser

THE WRONG LENDER COULD
LIMIT YOUR INVESTMENT

What can hold you back

Some lenders have stricter SPV criteria

SPV structure not accepted

First-time landlords restricted

Tougher rental stress tests

Limited property types

Lower borrowing potential

What you could be missing

The right SPV lender could offer more options

More SPV lender options

First-time landlord options

More flexible stress tests

HMO & specialist property options

More borrowing potential

HOW I HELP WITH
YOUR SPV MORTGAGE

Step 1: Understand Your SPV

Review your company structure, property and borrowing needs

Step 2: Access More Lenders


Compare options from 170+ lenders, including SPV specialists

Step 3: Finance Your Investment

Structure your mortgage to purchase, refinance or grow

The outcome? More SPV mortgage options for your property investment.

THE RIGHT SPV LENDER MAKES THE DIFFERENCE

Property investor reviewing investment properties and mortgage finance options with an adviser

WHY WORK WITH WEST WALES MONEY?

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

Specialist Mortgage Advice for SPV Landlords

30+ Years’ Experience — Experienced mortgage guidance

170+ Lenders — More SPV mortgage options

SPV Mortgage Expertise — Find lenders that understand Limited Company Buy-to-Let

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

UK-Wide Advice — Zoom, Teams or phone appointments

The difference? Specialist advice focused on finding the right mortgage for your SPV property investment.

Getting Your SPV Mortgage
1

Discovery Call

We discuss your property, SPV structure and borrowing needs.

2

SPV Review

I review your company structure, property and rental income.

3

Lender Research

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

4

Recommendation

I explain your options and recommend a suitable SPV mortgage.

5

Application

I manage your application and keep you updated throughout.

— FREQUENTLY ASKED QUESTIONS—

Portfolio landlord reviewing investment properties and financial figures for future property purchases

CAN FIRST-TIME LANDLORDS USE AN SPV?

Yes. Some lenders accept first-time landlords

DO I NEED AN SPV BEFORE APPLYING?

Usually, yes. I’ll explain what lenders require

HOW MUCH CAN I BORROW?

This depends mainly on property value, rent and lender criteria

CAN AN SPV BUY AN HMO?

Yes. Specialist lenders may consider HMOs

CAN I TRANSFER PROPERTY INTO AN SPV?

Potentially, but tax and legal advice may be required

DO YOU ADVISE ACROSS THE UK?

Yes. I advise property investors across the UK

✓ 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.

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