Identity FS

Identity FS Identity FS, award winning, expert mortgage advisers
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Self-employed and your mortgage deal is ending soon?This is where a lot of people come unstuck.Not because they can’t ge...
22/05/2026

Self-employed and your mortgage deal is ending soon?

This is where a lot of people come unstuck.

Not because they can’t get a mortgage
But because they leave it too late to package things properly.

Accounts, income structure, lender choice… it all matters more when you’re self-employed.

Give yourself time and your options open up. Leave it late and it gets restrictive fast.

If your deal ends in the next 6 months, let’s get ahead of it.

Book a free inital mortgage review.

https://remortgage.identityfs.co.uk/free-mortgage-review

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

From One Portfolio to Two—Built on Strategy, Trust & Results 🏘️📈Five years ago, this client came to me to remortgage his...
21/05/2026

From One Portfolio to Two—Built on Strategy, Trust & Results 🏘️📈

Five years ago, this client came to me to remortgage his original portfolio.
At the time, we halved his monthly mortgage payments.

Since then, we’ve built and grown a second portfolio together, remortgaging regularly to release funds for new purchases. We still speak every couple of months to keep everything moving—and keep the momentum going.

Here’s what he had to say about our latest case:

“I approached Sarah at identityfs, as I needed to remortgage my portfolio away from another lender and raise additional capital. Sarah has a thorough understanding of the whole market. She has sourced a market-leading rate for my portfolio. We speak often and she has kept me updated throughout the process. It couldn’t have been done without her!”

This is what I do best:
✅ Deep understanding of the portfolio lending market
✅ Long-term strategy and regular remortgage support
✅ A relationship—not just a one-off transaction

If you're a portfolio landlord looking to grow, restructure, or simply get a better deal—let’s talk.

📩 DM me to see what’s possible for your property journey.

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. Some buy to let mortgages are not regulated by the financial conduct authority.


19/05/2026

You know what I don’t care about?

I don’t care if you change your price range halfway through.
I don’t care if you get nervous when we start talking numbers.

I don’t care if you ask me to explain interest rates again.
I don’t care if an online calculator gives you a totally different payment.

And I definitely don’t care if your finances aren’t “textbook perfect.”

This is one of the biggest financial decisions you’ll ever make.
It’s supposed to feel serious.

There’s already enough noise out there.
“Rates are this.”
“Buy now.”
“Wait.”
“Crash coming.”

My job isn’t to pressure you into locking something you don’t understand.

My job is to:
• Break the numbers down clearly
• Show you realistic scenarios
• Help you understand what you qualify for
• And make sure you feel calm when you commit

Whether you’re buying your first home, moving up, or just exploring your options… you deserve clarity, not chaos.

If we haven’t met yet, I’m Sarah, your go-to mortgage broker in Manchester. I turn complex income into mortgage offers.

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

That renewal letter from your bank?It’s one option.I’ll compare 90+ so you can see what’s actually out there.Most people...
18/05/2026

That renewal letter from your bank?

It’s one option.
I’ll compare 90+ so you can see what’s actually out there.

Most people sign it because it’s easy.
No hassle, no questions.

But easy doesn’t always mean right.

Different lenders price differently, assess income differently, and offer different deals.
If you don’t look, you won’t know what you’re missing.

A quick review now could save you £100s over the next few years.

Download my free guide to avoid the remortgage mistakes that cost time and money.

https://remortgage.identityfs.co.uk/free-remortgage-download

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

The biggest remortgage mistake I see?Waiting until your deal ends.By then, you’ve lost time, options, and leverage.And t...
16/05/2026

The biggest remortgage mistake I see?

Waiting until your deal ends.

By then, you’ve lost time, options, and leverage.
And that’s when people either panic… or just accept whatever their bank offers.

Neither is ideal.

You can usually secure a new deal 4–6 months early.
That gives you time to choose properly, not rush.

If your deal is coming up, don’t sit on it.

Comment GUIDE and I’ll send you my free breakdown of the 5 remortgage mistakes that cost homeowners £1000s and how to avoid them.

I’m Sarah from IdentityFS, and helping clients secure the right mortgage is what I do.

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.



First-Time Buyer. Limited Company Director. Affordability: Achieved. 🏡📊This lovely client was buying her first home on h...
15/05/2026

First-Time Buyer. Limited Company Director. Affordability: Achieved. 🏡📊

This lovely client was buying her first home on her own—and as a Limited Company Director, we knew lender criteria might be tricky.

Her income was structured as PAYE + Dividends, but affordability just didn’t stretch far enough. That’s when I switched strategy and found a lender who would also consider Net Profit.

✅ That’s the beauty of understanding company accounts.
✅ That’s why I love working with Ltd Company Directors.
✅ And that’s exactly how we secured the mortgage she needed.

Here’s what she said:
“Sarah has been fantastic. She made the process extremely easy and straightforward. I will definitely use Identityfs when it comes to remortgaging or buying my next property.”

If you’re a director and not sure what your income qualifies you for—let’s explore all the options. I’ll find the route that gives you the right affordability and outcome.

📩 DM me for a free initial review or let’s talk through your accounts.







Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

14/05/2026

Almost every buyer I talk to lately says the same thing:

“I just need one thing to change.”

For some, it’s rates.
For others, it’s prices.
Some are tired of bidding wars.
Others just need help covering upfront costs.

But here’s what most people don’t realize…

You don’t need all four to line up perfectly and in reality they never will.

Sometimes one shift in numbers
one strategy tweak
one financing adjustment

is enough to make it work.

Spring brings more listings, more competition, and more movement.

Low rates = bidding wars.
Higher rates = quieter market.

The real question is…
are you waiting for perfect conditions?
Or are you waiting for clarity?

Lets have a chat through the figures. If I can get the monthly payment to work for you. Thats what matters, and thats what you remember every month.

Nobody remembers the rate 2 weeks later!

That house of your dreams, might be in reach more than you think.

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

If your mortgage deal ends in the next 6 months, now’s the time to act.Leave it too late and you’ve got fewer options, l...
12/05/2026

If your mortgage deal ends in the next 6 months, now’s the time to act.

Leave it too late and you’ve got fewer options, less control, and a higher chance of landing on your lender’s standard rate.

That’s usually where the expensive mistakes happen.

The people who get the best outcomes aren’t rushing at the last minute
They’re prepared early and ready to move when the timing’s right.

Book a free mortgage review.

https://remortgage.identityfs.co.uk/free-mortgage-review

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

11/05/2026

When a client asks if they can send their friends or family to me… yeah, that’s the kind of thing that makes my whole day.

Because a referral is never just a name.
It’s trust.

It means your experience with me was strong enough that you’d feel good putting your name behind mine and that means a lot to me every single time.

I don’t take that lightly.
The people you send my way will always be taken care of with the same attention, honesty, and effort I’d want for you.

So if you’ve ever referred me to someone, thank you.

Really.

It means more than you probably realize.

08/05/2026

A lot of buyers think waiting for rates to drop automatically means getting a better deal.

But that is not always how it plays out.

When rates come down, more buyers usually jump back into the market. That added competition can push home prices up fast. So even if the interest rate looks better later, the monthly payment may not feel much better at all.

That is why running the numbers now vs later matters so much.

Sometimes the better move is not waiting for the perfect rate.
Sometimes it is understanding your options early so you can make the smartest move for your budget.

The goal is not to guess the market perfectly.
The goal is to make a decision that works for you.

Comment ‘GUIDE’ and lets run the numbers for you

Im Sarah, your go-to mortgage broker in Manchester. Turning complex income into mortgage offers

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Address

6 George Street
Alderley Edge
SK97EJ

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 10am - 12pm

Telephone

+441625403020

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