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An agreement in principle can give you an idea of what a lender may be prepared to lend. But that's only one part of pla...
16/10/2026

An agreement in principle can give you an idea of what a lender may be prepared to lend. But that's only one part of planning a house purchase.

Strategy answers the questions that matter once you've moved in:
• What will the full monthly housing cost be, not just the mortgage payment?
• How much money will be left after completion?
• What might you need for moving costs, repairs or furniture?
• Which other plans still need room in your budget?
• Would the payment still feel manageable during a stressful or expensive month?
Getting the mortgage is the goal. Making sure you can still enjoy the life that comes with the house matters too.

Comment “PLAN” if you want to build the payment and cash plan before you make an offer.

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.

Moving house is exciting. It can also feel like absolute chaos.Deborah was in the middle of a move and needed her mortga...
14/10/2026

Moving house is exciting. It can also feel like absolute chaos.
Deborah was in the middle of a move and needed her mortgage sorted quickly. She came to me through a recommendation from a friend, which is always one of the loveliest ways to meet a new client.

I contacted her, talked her through the options and sourced a rate that suited her circumstances and plans.

Within days, her mortgage offer was issued.

“Sarah proactively contacted me to discuss my options and support me in looking for a good rate. I had my offer through within days.”
Clear advice. Proactive updates. One less thing for her to chase during an already busy move.

If you're planning to move and want someone to take the mortgage side off your plate, message me and we'll talk through where to start.

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.

11/10/2026

There are certain things that make a mortgage broker's day far more than they probably should.

Full PDF statements. Speaking to me before the offer goes in. Getting a Decision in Principle before falling in love with half of Rightmove. And choosing a mortgage payment that leaves room for an actual life.

None of it sounds particularly exciting. But it can make buying a home smoother, reduce avoidable delays and help you make decisions based on what feels comfortable, not simply the maximum a lender may offer.

Which one deserves the biggest green flag?

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.

Bank statements can make buyers nervous because ordinary life doesn't always arrive in neat, lender-ready categories.A t...
09/10/2026

Bank statements can make buyers nervous because ordinary life doesn't always arrive in neat, lender-ready categories.

A transfer from savings, money from family, a payment-app deposit or one unusual transaction isn't automatically a problem. It may simply need the right paper trail.

When I pause on a transaction, I'm thinking about the question a lender or solicitor may ask and what evidence will answer it clearly. Spotting it early means we can deal with it before it causes a delay.
Save this for later.
Send it to someone who needs to see this.

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, borrowing more on your mortgage isn't always straightforward.Add plans for a home extension a...
07/10/2026

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

Add plans for a home extension and suddenly you're dealing with lender criteria, income evidence, affordability and a lot of mortgage jargon you never asked for.
That's where Karen was when she found me. She wanted to raise further funds for an extension but felt completely out of her depth.

We worked through her income, what she needed to borrow and which route would actually work. I explained the process, dealt with the lender requirements and kept her updated throughout.

“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.”
The further borrowing was agreed and her extension plans were back on track.
Getting the mortgage approved matters. Making sure you understand what's happening and feel looked after matters too.

If you're self-employed and want to borrow more, remortgage or simply understand what may be possible, message me with the word BORROW.

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.

05/10/2026

I know it feels like a lot.

Bank statements, payslips, tax calculations and the occasional oddly specific explanation. Every document helps me answer the lender's questions and keep your mortgage moving towards offer and completion.

I promise I'm not asking for fun. I just really want to get you those keys.

And yes, I may need one more thing 😂

Getting an offer accepted is exciting. It should also be the point where the mortgage application can move, not the poin...
30/09/2026

Getting an offer accepted is exciting. It should also be the point where the mortgage application can move, not the point where you start working out whether the mortgage is affordable.

Before you make the offer, your broker should ideally understand your circumstances, have the fact-find completed and know which income evidence is available. You should know your realistic budget, be able to evidence the deposit and have a Decision in Principle where appropriate.

Then, if the offer is accepted, we can confirm the property details, submit the full application and get the legal work moving without spending the first week chasing documents that could have been organised earlier.

That speed matters in the short September-to-Christmas buying window. It also reassures the estate agent and seller that you’re prepared to proceed.

Nobody can guarantee completion by Christmas. But you can make sure lack of mortgage preparation isn’t the reason the case loses time.

Planning to buy this autumn? Message me “BUYER READY”.

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.

Your accountant and your mortgage broker are looking at the same business through different lenses.Your accountant helps...
28/09/2026

Your accountant and your mortgage broker are looking at the same business through different lenses.

Your accountant helps you run the company and manage the tax position properly. I look at how lenders are likely to assess the income created by those decisions.

Neither role replaces the other. And I’m definitely not here to give tax advice.

But if you’re planning a mortgage, it helps when everybody knows the goal early. That may mean making sure accounts are finalised in time, understanding how a change in drawings could appear to a lender or asking the accountant to confirm the reason behind a one-off cost.

The strongest self-employed applications often come from good preparation and clear communication between client, accountant and broker.

Planning a mortgage in the next year? Put it on your accountant’s radar as well as mine.

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 mortgage application form is the visible part of the job. It isn’t the part that usually makes the difference.The re...
28/09/2026

The mortgage application form is the visible part of the job. It isn’t the part that usually makes the difference.

The real work starts before the application: understanding your income, checking criteria, testing affordability properly and deciding which lender is the strongest fit.

Then there’s the packaging, document checking, underwriter questions, valuation, chasing, solicitor coordination and the occasional moment where the whole plan needs to change quickly.

And sometimes the most valuable advice is telling you not to proceed with the biggest loan available or not to choose the cheapest-looking product because it doesn’t fit what you need.

That’s what my broker fee covers. Not form filling. Advice, judgement and someone taking responsibility for moving the case forward.

If you value having somebody properly in your corner, we’ll work well together.

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.

27/09/2026

Happiness used to mean big plans, late nights and always having something exciting in the diary.

Now, it’s a quiet morning with a coffee.

A calm house.

An early night.

Knowing what I’m doing tomorrow and not feeling like I’m constantly chasing my tail.

Maybe it’s getting older. Maybe it’s becoming a mum. Maybe it’s running a business and realising how valuable peace actually is.

It’s not boring or uneventful.

It’s feeling settled, content and genuinely happy with the life I’ve built.

And honestly, I’ll take that over chaos any day.

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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