FIND THE RIGHT

MORTGAGE FOR YOU

Specialist mortgage advice for company directors, self-employed professionals and property investors

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SELF-EMPLOYED

Mortgages with one year’s accounts

COMPANY DIRECTORS

Salary, dividends & company profits

PROPERTY INVESTORS

Buy-to-Let & portfolio solutions

5-Star Reviews From Our Mortgage Clients

      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!

BEEN DECLINED OR
OFFERED LESS THAN EXPECTED?

Been declined or offered less than expected?

Different lenders assess income in different ways — particularly for company directors and the self-employed

That means:

Some of your income may not be considered

The lender’s criteria don’t suit your circumstances

You’re being offered less than you need

The result? You may not be able to borrow enough for the property you want.

But another lender may assess your circumstances differently, potentially giving you more options.

YOU SHOULD BE ABLE TO
BORROW MORE

Your Income Looks Strong — But Lenders May Not See It

Different lenders can treat the same income very differently

Salary & overtime

Bonuses & commission

Self-employed income

Salary & dividends

Company profits

Pension Contributions

The Wrong Lender Could Limit Your Borrowing

A standard affordability calculation may not reflect what you can really afford

Some income may be ignored

Your borrowing could be reduced

You could be offered less than expected

You could miss out on the property you want

HOW I HELP YOU BORROW MORE
— EVEN WHEN OTHERS SAY NO

Step 1: Understand Your Full Income

I look beyond basic salary, including overtime, bonuses, commission, company profits and other income where appropriate.

Step 2: Match You With Suitable Lenders

I compare how different lenders assess your circumstances to identify suitable options.

Step 3: Structure Your Mortgage Carefully

I consider the loan amount, term, deposit and overall application to help maximise your options.

The aim?
To help you secure the borrowing you need with a lender that understands your circumstances.

THE RIGHT APPROACH CAN MAKE ALL THE DIFFERENCE

EXPLORE YOUR OPTIONS

Specialist mortgage solutions tailored to your circumstances.

💼

Company Director Mortgages

Make more of your salary, dividends and company profits.

Explore Director Mortgages →

📊

Self-Employed Mortgages

Mortgage options for complex income and shorter trading histories.

Explore Self-Employed Mortgages →

🏡

Property Investor Mortgages

Specialist solutions for Buy-to-Let and growing property portfolios.

Explore Investor Mortgages →

WHY WORK WITH WEST WALES MONEY?

Lyndsey Rowe

Mortgage & Protection Adviser

CeMAP & CeRER Qualified
30+ Years’ Experience

Personal Mortgage Advice — Not a Call Centre

30+ years’ experience — helping clients find the right mortgage

Access to 170+ lenders — including specialist mortgage options

Straightforward & complex mortgages

One-to-one advice — deal directly with me throughout your mortgage journey

Carmarthen based — helping clients across West Wales and the UK

The difference? You deal directly with me from initial advice through to mortgage offer

How It Works

Discovery Call

We discuss your circumstances, plans and mortgage requirements.

Financial Review

I review your income, deposit, commitments and future plans.

Lender Research

I search for lenders whose criteria suit your circumstances.

Recommendation

You receive a clear mortgage recommendation based on your needs.

Application Support

I manage your mortgage application through to completion.

— FREQUENTLY ASKED QUESTIONS—

DO YOU CHARGE A FEE?

Yes. £95 for initial assessment and research, then £395 when your mortgage application is submitted.

WHY USE A MORTGAGE BROKER?

I’ll research suitable lenders and mortgage options based on your individual circumstances.

HOW MUCH COULD I BORROW?

This depends on your income, commitments, deposit and circumstances. I’ll help you understand your options.

SELF-EMPLOYED OR A COMPANY DIRECTOR?

Yes, I can help with salary, dividends, retained profits and other income sources.

DO YOU HELP FIRST-TIME BUYERS?

Yes. I’ll guide you from understanding your budget through to mortgage completion.

DO I NEED TO LIVE IN CARMARTHEN?

No. I’m based in Carmarthen and help clients across West Wales and the UK.

FIND OUT WHAT YOU COULD BORROW — BEFORE YOU APPLY

Not sure how much you could borrow? Send me your details and I’ll help you explore your mortgage options

Speak to an Adviser

Speak directly for clear, no-pressure advice

Call Now: 01267 887434

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