Identity FS

Identity FS Identity FS, award winning, expert mortgage advisers
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If your fixed or tracker deal ends in the first few months of 2027, September isn’t too early to start looking at it.You...
02/09/2026

If your fixed or tracker deal ends in the first few months of 2027, September isn’t too early to start looking at it.

You may not be ready to secure a new product yet and there may be early repayment charges to consider. But an early review gives us time to check your balance, understand what you want next and spot anything that could affect affordability.

For self-employed clients, it also gives us time to make sure the right accounts and tax documents are available rather than scrambling for them when the deadline is close.

Starting early doesn’t commit you to anything. It simply means you know what’s coming and can make decisions calmly.

If your deal ends between January and March 2027, message me “REMORTGAGE” and I’ll tell you what to gather first.

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.

When you’re self-employed, one set of figures can make it look as though your mortgage options are fixed. They’re not al...
01/09/2026

When you’re self-employed, one set of figures can make it look as though your mortgage options are fixed. They’re not always.

Some lenders work from an average. Some may use the latest year where the business is growing and the figures make sense. Limited company directors may also be assessed in different ways depending on how they take income and what remains in the business.

That doesn’t mean we can ignore a weaker year or explain every dip away. It means the story behind the figures matters.

Before you assume an old tax return has ruled you out, let me look at the full picture and work out which lenders are likely to understand it.

Message me “ACCOUNTS” if you’d like me to take a look.

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.

I’m back from Spain, the washing machine is working overtime and the inbox is pretending it didn’t know I was away.I did...
28/08/2026

I’m back from Spain, the washing machine is working overtime and the inbox is pretending it didn’t know I was away.

I did switch off for parts of the holiday. But when you run your own business, there’s always a part of your brain quietly remembering the cases you want to move forward when you get back.

Plus you can never predict when a client is going to buy a house! Or you get a client call saying someone recommended me - which is always a nice call to get 🫶

So I go into the BH weekend, hitting the ground running. Catching up on the new clients that called or emailed asking for a chat, Following up on the 2 x DIPs submitted on 2 purchases and checking every live application and making sure nobody is left wondering what happens next.

Not including catching up on the holiday cottage bookings that have been coming in, and finding a new cleaner.

Then it’s straight into making sure everything is ready for school next week, Year 1 ❤️

This is the bit of self-employment nobody puts on the glossy post. You get the freedom to go away, but you also come home to the business you built waiting for you and a whole lot more.

And honestly, would I swap it (Maybe some days!! 😜) but mostly no.

When you’re self-employed, borrowing more on your mortgage isn’t always simple.Add in plans for a home extension and sud...
28/08/2026

When you’re self-employed, borrowing more on your mortgage isn’t always simple.

Add in plans for a home extension and suddenly you’re dealing with lender criteria, income evidence, affordability rules and a lot of mortgage jargon you didn’t ask for.

That’s exactly where this client was when they found me.

They needed further borrowing for their extension, but they felt confused, overwhelmed and unsure where to even start.

This is what they said:

“Finding Sarah was an absolute godsend at a time when I felt really confused.
She was so generous with her time, knowledge and expertise, nothing was too much trouble. She simplified all the complexity and I felt really taken care of throughout.”

And that’s the bit I care about most.

Yes, getting the mortgage approved matters.

But so does making sure you understand what’s happening, why it matters and what your options actually are.

For this client, we got the further borrowing agreed and their extension plans back on track.

But more importantly, they went from feeling confused and overwhelmed to feeling supported and looked after.

That’s what proper mortgage advice should do.

If you’re self-employed and need to borrow more, remortgage or work out what’s possible, drop me a message with the word BORROW and I’ll help you understand your options.



Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt

Getting your offer accepted is exciting, but it’s also the point where everything suddenly becomes very real.There’s a m...
26/08/2026

Getting your offer accepted is exciting, but it’s also the point where everything suddenly becomes very real.

There’s a mortgage application to submit, a solicitor to instruct and plenty happening behind the scenes before you can collect the keys.

Your lender will review your income and documents, arrange a valuation and send the application through underwriting. At the same time, your solicitor will begin the searches and legal work on the property.

There may be more questions, extra documents to provide and a few quiet weeks where it feels like nothing is happening. That’s completely normal.

One important point: the lender’s valuation is for the lender’s benefit. It isn’t the same as having your own survey carried out to check the condition of the property.
Once the lender is satisfied, your mortgage offer can be issued. Your solicitor then works towards exchange of contracts followed by completion day, when the property officially becomes yours.

There are quite a few moving parts, but you don’t have to work through them alone. I’ll manage the mortgage application, keep you updated and chase things when needed.

Save this post for when your offer gets accepted.

Planning to move? DM me MOVE and let’s get you mortgage-ready before you start making 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

One thing I’ll never do as a mortgage broker:Just because a lender will lend you a certain amount doesn’t mean I’ll tell...
25/08/2026

One thing I’ll never do as a mortgage broker:

Just because a lender will lend you a certain amount doesn’t mean I’ll tell you to borrow it.
Getting the mortgage approved matters.
But so does what the monthly payment will actually feel like once the excitement of buying the house has worn off.

So does how much money you’ll have left after the deposit, legal fees and moving costs.
And whether the mortgage still works alongside the life you actually want to live.

Sometimes my job is to say:
“Yes, you can borrow that much. But I don’t think you should.”
That might not always be what someone wants to hear.

But my job isn’t just to get the mortgage through. It’s to help you understand the numbers, your options and what that decision will look like in real life before you commit.

Because getting the keys shouldn’t leave you wondering how you’re going to afford everything else.

Planning to move? DM me MOVE and let’s look at the numbers before you fall in love with the house.



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.

24/08/2026

Most people only see the exciting parts.

The offer being accepted.
The mortgage offer arriving.
The completion-day photo.
The keys finally in their hands.

What they don’t see is everything happening behind the scenes.

Affordability being checked.
Lenders and rates being compared.
Documents being chased.
Questions from underwriters being answered.
Solicitors being followed up.
And the little problems being dealt with before they become big ones.

A mortgage that feels straightforward to the client usually has a lot of work going on quietly in the background.

That’s the part of using a good mortgage broker that people don’t always see.

You get the keys. I help keep everything moving until you do.

Save this if you’re planning to buy soon or send it to someone who thinks getting a mortgage is “just paperwork”.



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.

23/08/2026

My head is usually running through a list of things I need to do.

Clients to call.
Emails to answer.
Applications to submit.

And all the other bits that come with running a business and family life.

Padel is one of the few places where I can’t do any of it.

I can’t answer an email mid-point. I can’t check my phone while I’m chasing a ball. And if my mind wanders back to work, I’ll probably miss the next shot!

For that hour, I’m completely focused on what’s happening in front of me.

It’s exercise, it’s social and it gives my brain a proper break.

I used to think switching off meant sitting still and doing nothing. I’ve realised I switch off far better when I’m moving.

Padel has become the one place where work genuinely has to wait.

What’s the thing that makes you properly switch off?

There are clients I love working with.And there are clients I’m probably not the right broker for.I’m not the broker who...
21/08/2026

There are clients I love working with.

And there are clients I’m probably not the right broker for.

I’m not the broker who will just tell you “yes” because that’s what you want to hear.

I’m not going to pretend something won’t matter if I know it could cause a problem later.

And if we agree a plan, I need you to tell me before you take out new credit, change your income or make a big financial decision halfway through the process.

That probably sounds harsher than I mean it.

Because I’ll always be kind. I’ll always look for a solution. And when things get difficult, I’m absolutely the person you want in your corner.

But the best mortgage outcomes happen when we work as a team.

You tell me the full story.

I ask the awkward questions.

We deal with anything that could cause a problem early.

And I give you honest advice, even when the answer isn’t the easiest one.

The clients I work best with are the ones who want real advice, not just a quick yes.

Those are my people.

Sound like your kind of way to work?

Send me a message and let’s have an honest conversation about what you’re trying to 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.

Buying a home on your own can feel overwhelming. Especially when you’re making every decision alone.No partner to bounce...
17/08/2026

Buying a home on your own can feel overwhelming. Especially when you’re making every decision alone.

No partner to bounce things off.

No one else helping manage the process.

And a lot of moving parts that suddenly feel very high pressure.

This lovely client was buying on her own and wanted someone she could trust to make the mortgage side feel straightforward and stress-free.

The best part?

She came to me through a recommendation from her sister, who I had helped with her own mortgage previously. And honestly, there is no better compliment than family referrals.

My job wasn’t just securing the mortgage.

It was making sure she felt supported, informed and confident every step of the way.

Here’s what she said:

“Sarah was excellent. Helpful, efficient and very supportive throughout. So glad I went with her.”

✅ Mortgage secured quickly
✅ Clear advice without the jargon
✅ One less thing to stress about during a big life move

Moving home is stressful enough.

My job is to keep surprises out of your mortgage and calm in your life.

Thinking about moving in the next 6 months? Comment MOVE and let’s make sure your mortgage is ready before you start house hunting.



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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