Rhys Williams – Mortgage Broker in Llanelli, Carmarthenshire

Llanelli is one of the main areas I proudly serve as a Mortgage Broker in Llanelli, Carmarthenshire. I specialise in commercial mortgages, semi-commercial loans, bridging finance, buy-to-let, HMOs, limited company mortgages, and general insurance.

If you’re in Llanelli or nearby and seeking specialist mortgage advice, I can help with a clear, focused approach that meets current UK lending rules.

Commercial and Semi-Commercial Mortgages

For business owners and investors in Llanelli, I offer commercial mortgage advice tailored to your needs. Whether it’s a retail unit, office, or mixed-use premises, I can help secure finance from UK lenders familiar with commercial assets. Semi-commercial properties, such as shops with flats above, often need lenders who understand both residential and business valuations. That’s where my expertise comes in.

Bridging Finance Explained

I provide bridging finance support for time-sensitive purchases, auction buys, chain breaks, or property refurbishments. These are short-term loans usually repaid within 12 months.

I work with lenders who accept commercial properties, residential assets, and even non-standard construction. Bridging loans can be interest-only, rolled up, or serviced monthly—depending on what suits you. I make sure you understand all costs, terms, and how the exit strategy will work before proceeding.

Buy-to-Let and HMOs

Whether you’re an experienced landlord or a first-time investor in Llanelli, I can assist with buy-to-let mortgages. I also arrange finance for HMOs (Houses of Multiple Occupancy), which can offer higher yields but come with stricter lender criteria.

HMO finance often needs detailed rent schedules, local authority licences, and planning permissions. I guide you through this step-by-step so your mortgage application meets lender requirements.

Limited Company Mortgages

Using a limited company to buy property is becoming more popular due to tax advantages. I arrange mortgages for Special Purpose Vehicles (SPVs) and trading companies alike.

I’ll explain the pros and cons, how lenders assess affordability, and how director guarantees might apply. This ensures you’re fully informed from the outset.

General Insurance for Property Owners

Protecting your investment is just as important as securing the loan. I can arrange landlord insurance, buildings cover, and contents policies designed for both commercial and residential portfolios.

Areas Near Llanelli I Also Cover

While Llanelli is my main focus, I also provide mortgage services to clients in surrounding Carmarthenshire areas including:

✔ Ammanford ✔ Burry Port ✔ Kidwelly ✔ Llandeilo ✔ Llandovery ✔ Carmarthen

Why Work With Me?

✔ I specialise in property finance for investors and business owners.
✔ All advice complies with UK lending standards and FCA regulation.
✔ I focus on Llanelli and nearby Carmarthenshire towns for local support.
✔ My advice is clear, practical, and based on real market experience.
✔ I explain each step of the process so you always know what to expect.

Ready to Discuss Your Mortgage Options?

If you’re based in Llanelli or surrounding areas and need help with property finance, contact me today. I’m Rhys Williams, your Mortgage Broker in Llanelli, Carmarthenshire – and I’m here to help with your next commercial, buy-to-let, or bridging project.