Sarah holds a Certificate in Mortgage Advice and Practice (CeMAP) and has spent 15 years brokering deals for first-time buyers and seasoned investors. She is an authority on credit scoring mechanics and lending criteria. Sarah currently leads a team of advisors helping clients overcome adverse credit history.
Sarah Jenkins cut her teeth working for one of the UK's largest high-street lenders before transitioning to independent brokerage to offer unbiased whole-of-market advice. Her career is defined by her ability to secure funding for complex cases, from self-employed applicants to those with 'thin' credit files or past defaults. She possesses a granular understanding of how credit reference agencies like Experian and Equifax calculate scores and teaches actionable methods to boost eligibility rapidly. Sarah is deeply knowledgeable about the latest Financial Conduct Authority (FCA) regulations concerning affordability stress tests and interest rate risks. She has extensive experience with debt management plans (DMPs) and Individual Voluntary Arrangements (IVAs), guiding clients through financial distress with dignity and strategic foresight. Her writing deconstructs the jargon of amortization tables, fixed-rate penalties, and loan-to-value ratios into clear, actionable steps. Sarah is particularly passionate about helping young people get on the property ladder through schemes like Joint Borrower Sole Proprietor mortgages. Her advice is grounded in the reality of today's volatile interest rate environment.