Carmarthen-based, UK-wide service
Mortgage Affordability, Made Simple, Clear, and Stress-Free
Don’t Let Mistakes Cost You—Get Professional Guidance to Maximise Your Mortgage Potential
Get Your Complimentary Mortgage Affordability Review Today!
Local Expertise, Nationwide Reach
Bespoke mortgage affordability advice for clients in West Wales and UK Wide
Specialist in Complex Cases
Tailored solutions for company directors with complex incomes.
Direct Access to Expert Advice
Work one-on-one with me, to simplify the mortgage affordability process
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Discover why clients rely on my expertise in navigating mortgage affordability and securing tailored solutions for their unique needs!
Challenges in Mortgage Affordability
Navigating mortgage affordability can come with unique challenges. Here are some common pain points many borrowers face:
Varying Lender Criteria: Different lenders use different formulas to calculate affordability, leading to confusion and inconsistencies.
Fluctuating Income: If you’re self-employed or rely on multiple income streams, proving stable affordability can feel daunting.
Credit History Concerns: Past credit issues, even minor ones, can significantly impact your borrowing capacity.
High Debt-to-Income Ratios: Managing existing financial commitments alongside a mortgage can create additional hurdles.
Lack of Expert Guidance: Without tailored advice, understanding how much you can afford and securing the right mortgage becomes overwhelming.
Take the First Step:
Call me today on 01267 887434 or Book Your Complimentary Mortgage Affordability Review.
Specialist Lenders
Access specialist mortgage lenders, enhancing your approval chances
Same Day Mortgage Approval
Quick approval from 170+ lenders – save time and money
Flexible appointments
Flexible online, office, or after-hour phone appointments available
Why Choose Me as Your Advisor
Personalised Service with Expert Guidance
Hi, I'm Lyndsey!
When it comes to understanding mortgage affordability, you need an advisor who can simplify the process and provide expert advice. With over 30 years of experience, I specialise in helping clients navigate lender requirements, income structures, and mortgage affordability criteria to secure mortgages tailored to their needs.
Unlike traditional banks, I offer a bespoke service, giving you direct access to a dedicated mortgage broker who prioritises your financial goals. My commitment is to help you understand how much you can borrow and maximise your mortgage affordability with ease.
My mission?
Making Mortgages Simple and Affordable for Everyone!
Professional Credentials You Can Trust
As an LIBF member, I uphold exceptional standards of knowledge, ethics, and professionalism in mortgage and protection advice.
These credentials aren’t just badges—they’re a testament to my commitment to providing informed guidance you can rely on
Tailored Solutions for Mortgage Affordability
Each solution is designed to help you navigate mortgage affordability challenges with ease:
Maximise Borrowing Potential: Understand and leverage your full income to unlock higher mortgage limits.
Income Structure Analysis: Combine all income sources to present a complete and favourable financial picture.
Support for All Credit Histories: Overcome challenges with credit and find lenders who can accommodate your situation.
Specialist Lender Access: Gain access to lenders who understand unique income structures and mortgage affordability needs.
Flexible Mortgage Options: Discover tailored solutions that align with your financial goals.
Mortgage Affordability Case Studies
Case Study 1: Helping Professional Company Directors Achieve Their Dream Executive Home
Client Profile: Emma and Tom, professional company directors with strong earnings, looking to buy a larger 4-bed detached executive home for their growing family.
The Challenge: Despite their strong income, Emma and Tom encountered difficulties with traditional lenders because of thier complex income structure as they received salary, dividends and profits.
My Solution:I conducted extensive research to identify a specialist lender who not only understands the complexities of company directors’ income but is also willing to offer up to six times their income. By presenting Emma and Tom’s complete financial profile—including salaries, dividends, and net profits—I secured a competitive fixed-rate mortgage that met their needs. My expertise as a mortgage broker was instrumental in connecting them with a lender who appreciated and accommodated their unique financial circumstances.
Outcome: Emma and Tom successfully secured their dream executive home with manageable monthly payments. By navigating the lender’s complex affordability criteria and highlighting the importance of a tailored mortgage strategy, they achieved homeownership with confidence and peace of mind.
Client Testimonial:
“I didn’t think we could secure a mortgage for our dream 4-bed detached executive home. Thanks to Lyndsey’s expertise in leveraging our salaries, dividends, and net profits, we now own the perfect home for our family and have confidence in our financial future.” — Emma and Tom, Professional Couple.
Case Study 2: Helping a Young Couple Navigate Affordability Limits
How My Mortgage Affordability Process Works
Here’s what you can expect from my straightforward, effective approach:
Mortgage Advice in
4 Simple Steps
Follow These Four Simple Steps to Secure Your Mortgage Affordability Review:
Initial Consultation – We discuss your unique financial situation and affordability goals.
Tailored Analysis: I calculate how much mortgage you can afford, considering all income streams and financial commitments.
Lender Search – I find the best rates and terms from over 170 trusted lenders.
Ongoing Support – From application to completion, I keep you informed every step of the way.
Trusted Partners for Your Mortgage Needs
Access tailored mortgage solutions through connections with over 170+ lenders, giving you confidence and peace of mind
Your Mortgage Affordability Guide: Know What You Can Borrow
Find out how lenders calculate affordability and what you can do to improve yours
Ready to Make Homeownership a Reality?
Consider your own situation—are you ready to understand how much mortgage you can afford? Let’s create a personalised plan that empowers you to make informed decisions and move forward with confidence.
Call me today on 01267 887434 or book your complimentary mortgage 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.