Sarah Jenkins is a fully qualified mortgage broker holding the CeMAP designation and a specialist in residential financing. With 12 years of experience, including 5 years as a senior underwriter for a High Street bank, she understands exactly what lenders look for. She currently helps first-time buyers and self-employed applicants secure competitive rates.
Sarah Jenkins brings a unique 'poacher turned gamekeeper' perspective to the mortgage industry, having started her career analyzing risk and approving loans for one of the UK's 'Big Four' banks. This background gives her an unparalleled understanding of the internal scorecards and plausibility checks that underwriters use to accept or decline applications. She specializes in complex income structures, assisting freelancers, contractors, and company directors who struggle to prove their affordability through standard payslips. Sarah is passionate about educating borrowers on credit file hygiene, explaining how minor errors on an Experian or Equifax report can derail a property purchase. She maintains direct relationships with business development managers at both mainstream lenders and niche building societies to access exclusive rates. Her writing focuses on demystifying the mortgage process, from Agreement in Principle to completion, and navigating the volatile interest rate environment. She is a vocal advocate for transparency in broker fees and ethical lending practices.