Are you tied to any lenders?

No. We advise from across the market, with access to almost every bank, building society and specialist lender, and we are never paid to favour one over another.

My fixed rate ends soon. When should I start?

About six months before it ends. Most lenders let us secure a new rate that far ahead, and if rates fall before completion we can usually switch to the better deal.

First home · Moving · Remortgage · Buy-to-let

Mortgage advice, without the jargon.

First home, next home, remortgage or a growing portfolio. I search almost every bank, building society and lender in the UK and tell you honestly which deal fits your plans, not the headlines.

Book a free chat What could I borrow?

What I can help with

Whatever you’re buying, I’ve done it before.

First-time buyers

From deposit to keys, every step explained. Some lenders accept deposits from 5%, and family gifts and Lifetime ISAs can help you get there sooner.

Home movers

Porting your current deal, bridging the gap between selling and buying, and lining up the right lender before you make an offer.

Remortgaging

If your fixed deal is ending, or you are sitting on your lender’s standard variable rate, we can line up your next deal up to six months ahead.

Buy-to-let and portfolio landlords

Limited company structures, growing portfolios and lenders who understand real rental income.

Self-employed and complex income

Lenders who look at the whole picture, not just three years of accounts.

Large mortgages and Right to Buy

Discreet, well-connected advice for lending over £1m, and a clear route from council tenancy to ownership.

Sound familiar?

This is for you if you’re…

Buying your first home
Moving house
A fixed rate ending in the next six months
Buying to let, or growing a portfolio
Self-employed or contractor income
Divorce or separation

Good questions

The things people ask Sarah first.

Straight answers. If yours isn’t here, ask her directly.

As a rough guide, most lenders will consider around four to five times your household income, adjusted for your outgoings and commitments. Our free calculator gives you an estimate in two minutes, and a first chat gives you a real figure.

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. We will tell you the exact amount before you proceed.

Some forms of buy-to-let mortgage are not regulated by the Financial Conduct Authority.

Money, explained properly.

One email a month from Sarah: plain-English answers on mortgages, protection and wills. No sales pitch, unsubscribe any time.

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One conversation could change how your family sleeps at night.

Book a free, no-obligation chat with Sarah. Bring the questions you’ve been putting off. If we can’t help, we’ll tell you straight and point you to someone who can.

Book your free chat 0330 33 22 615

Monday to Friday, 10am to 9pm · Watford · St Albans · Harrow · Pinner