What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Sarah at Identityfs - Mortgage Broker

Home
United Kingdom
Alderley
Sarah at Identityfs - Mortgage Broker

Call Directions Website Contact the business

'Award-Winning, Top Rated Mortgage adviser'
For a Free Mortgage Review, contact me today!

30/10/2026

Here is the part buyers are rarely told at the dealership.

Mortgage approval looks at monthly debt, not just whether you can afford the car today. A new car payment can raise your debt ratio, lower the home price that fits, or change the loan options available to you.

The safest move is simple: let your mortgage broker run the numbers before you sign for the car.

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.

28/10/2026

Being a contractor doesn't mean the dream home is off the table. It can mean you need the right strategy. Paul came to me through a recommendation. He'd found a home he loved but was falling short on affordability.

We looked at the bigger picture: his fixed day-rate income, lender criteria and how the mortgage could be structured. A Joint Borrower Sole Proprietor mortgage helped strengthen affordability while keeping the property in his name.

Then the right house came along.
“Sarah was wonderful, recommended by a friend of a friend for her in-depth expertise — she really came through, guiding me through the complex process of differing circumstances, especially with me being a contractor. Keeping me informed and moving things along when necessary. With Sarah's helping hand, I was able to purchase the home of my dreams.”

The right lender, the right structure and the right property.
If you're a contractor, have complex income or aren't sure what may be possible, message me and we'll talk it through.

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.

26/10/2026

As a mortgage broker, I deserve emotional support for some of the documents I receive 😭📂

I open the email and find 17 random screenshots with no dates, no names and no account numbers.

At that point, I'm not reviewing a file. I'm solving a mystery.

For the best chance of getting your mortgage moving quickly, send full PDF statements with every page included. Your name, account details and statement dates all need to be visible.

Your broker will love you for it 😂

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.

25/10/2026

You don't need to have every part of your life perfectly organised before speaking to a mortgage broker. But a little preparation can make the whole process feel much less chaotic.

Check your credit report early so there's time to correct anything unexpected. Work out the monthly payment that feels comfortable for your real life. Get a Decision in Principle before viewing seriously and speak to a broker before making an offer so you understand the numbers and any lender criteria that may affect the property.

That's the sort of preparation that can save time, reduce surprises and help you buy with a clearer plan.

Which green flag have you already ticked off?

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.

23/10/2026

A mortgage offer isn't always the end of the story.

Rebecca has been a client of mine for a few years. We first worked together on a remortgage and she recently came back when buying her new family home.
We secured the mortgage but while she was waiting to complete, rates dropped.
So I reviewed the options and secured her a lower rate before completion, saving her thousands over the mortgage term.

“Sarah has helped me a few times now over the years, the most recent one was securing a mortgage for us for a new house. Her advice and help with this process has been amazing! We haven't completed yet and she's already secured us a lower rate mortgage as interest rates dropped whilst we've been waiting to complete.”

This is why I don't see my job as getting an offer and disappearing.
It's staying on the case, watching for better options and making sure my clients aren't paying more than they need to.

Rebecca has since recommended me to her neighbour and her mum. That's the best kind of compliment.

If you're moving home or remortgaging and want someone keeping an eye on the details right through to completion, send me a message.

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.

19/10/2026

Some people really think mortgage brokers just press a button and magically get people approved.

Meanwhile, I'm chasing documents, explaining rates, calming stressed buyers, decoding bank statements, checking lender criteria, answering messages after hours and hoping the underwriter does't ask for one more “quick” requirement.

So yes, if you know, you know.

This job is funny until you're the one trying to make the numbers, paperwork, timescales and emotions all work at the same time.

But when the offer lands and the client gets the keys, it's worth it.

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.

18/10/2026

Mortgage broker icks aren't about judging how you spend your money. They're the things that can create questions, slow an application down or change what a lender is prepared to offer.

A full PDF gives us the information a screenshot may cut off. New finance can affect affordability. A large credit may need evidence showing where it came from. And when a lender asks for another document, the application usually can't move until they receive it.

Most of these are easy to deal with when I know about them early. So tell me what's happening and ask before making a big financial change while your application is underway.

Which one do you think brokers see most often?

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.

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.

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.

12/10/2026

Buying your first home can feel like learning a new language while making one of the biggest decisions of your life.

AIP, LTV, valuation, conveyancing, exchange, completion. Then there are documents to find, forms to fill in and people asking questions at every stage.

I can't offer therapy, but I can explain what everything means, tell you what happens next and keep the process moving so it feels a whole lot less overwhelming.
If you're planning to buy your first home, save this and send me a message when you're ready 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.

Address

6 George Street
Alderley
SK97EJ

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+447990605411

Website

http://www.identityfs.co.uk/

Alerts

Be the first to know and let us send you an email when Sarah at Identityfs - Mortgage Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.