ACCESS SPECIALIST MORTGAGE SOLUTIONS MOST BROKERS MISS

Specialist advice for company directors, self-employed and complex income — helping you borrow more with the right lenders and structure

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Specialist Mortgage Advice

Direct help with complex cases

TRUSTED BY DIRECTORS AND PROPERTY INVESTORS

      EXCELLENT  
   Based on 57 reviews 
    
 
 
 
   
 
 
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   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.
  
 
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   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!
  
 
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   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 RESTRICTED?

THIS IS FOR YOU IF YOU’VE BEEN DECLINED OR RESTRICTED

Most clients I speak to come to me after being declined — or told they can’t borrow enough

✔️ You’re a company director and want to borrow more using your full income
✔️ You have retained profits but lenders aren’t using them
✔️ You’re a portfolio landlord being restricted by stress tests
✔️ Your borrowing has been reduced or declined
✔️ You’ve been told “no” without a clear solution

With the right approach, many go on to secure the borrowing they actually need.

YOU SHOULD BE ABLE TO BORROW MORE

You should be able to borrow more — but something is holding you back

If this sounds familiar, you’re not alone —

✔️  Your income looks strong, but lenders won’t use all of it
✔️  You’re a director, but only your salary is being considered
✔️  Your borrowing has been reduced at remortgage
✔️ You’re being restricted by buy-to-let stress tests
✔️  You’ve been declined without a clear explanation

In many cases, it’s not your situation — it’s how your case is assessed.

HOW I HELP YOU MOVE FORWARD

1️⃣ Identify what’s limiting your borrowing
We assess your income, structure and goals — not just what a calculator says

2️⃣ Restructure your case to increase what you can borrow
Using retained profits, lender criteria and the right approach to maximise your borrowing

3️⃣ Secure the right lender
Access lenders who understand complex income and get your application moving quickly