About Me

I am one of the few advisers fully qualified and licensed to deal with both “traditional” and retirement mortgages and my clients range in age from 19 – 93!

Whilst I deal with all manner of mortgages including new house purchases, re-mortgages, buy-to-lets and first time buyer enquiries, the option of releasing equity from your home in retirement is an area I have found to be in increasing demand.

Having worked in the industry for so long I am fortunate to have met many people with a variety of different circumstances.
I take enormous care and great pleasure and reward, in helping people when in many cases, they thought there were no options available.

My qualifications and experience mean that I am usually able to find a way to help most clients and I take time to understand their circumstances fully before I recommend any course of action.

I thoroughly enjoy my work and I am fortunate that many people I speak with have been recommended to me by friends or family, which I consider a real compliment.

How I’ve helped others

  • I found Sarah Ferrell's service to be excellent. After fully listening to my requirements Sarah offered advice and support in choosing the right mortgage. The information came quickly and communication throughout was second to none. Sarah is extremely knowledgeable about the market and is always friendly and helpful. Sarah went above and beyond in helping me secure the right mortgage. Highly recommend, 5 star service and aftercare.
    Miss Stokes, Maidstone
  • Sarah has worked tirelessly to get me a great mortgage deal that I was able to afford. As a single mum on a limited salary, Sarah certainly had her work cut out, but using her vast knowledge and experience, she was able to get me the right level of borrowing at a really good rate. I would have absolutely no hesitation in recommending Sarah to my friends and family.
    A. Walker, Maidstone
  • We approached Sarah initially for just an informal talk about financial advice re options for our future. We found her friendly, informative and easy to communicate with. She gave plenty of time to listen to us, also her caring approach, knowledge, expertise and professionalism impressed us. Because of her efficiency and thoroughness, we arrived at where we needed to be in a relatively short space of time; therefore the stress and anxiety that we were experiencing at that time, is now where it should be! We consider ourselves fortunate to have met Sarah and would have no hesitation in either approaching her again in the future if necessary, or highly recommending her to other people.
    C.L.W

Our team

Sarah Ferrall

Sarah Ferrell
Equity Release, Mortgage and Protection Adviser

CEMAP
Sarah is fully qualified with CeMAP and ER1 qualifications and she is a member of the Equity Release Council.

Current regulation dictates that Sarah has to maintain licenses in numerous areas of the industry by taking annual license tests and maintaining ongoing Continuing Professional Development (CPD).

Sarah is experienced in all areas of mortgage finance and will happily discuss your circumstances, advise you and guide you through the whole process.
Nick Ferrell

Nick Ferrell
Compliance

CEMAP
Nick holds the full Financial Planning Certificate (FPC1, CeFA2. CeFA3) and CeMAP.

He has over 20 years of financial services experience specialising in mortgage compliance and regulation.

Given the sensitive nature of retirement lending it is crucial to ensure that the process is accurate and the documentation is sound. It is important that clients have complete and clear documentation of the advice they have been given and that the reasons for all financial recommendations are fully recorded.

Nick plays a key role in ensuring that all regulatory and compliant documentation is correctly administered.

My Blog

Do you really WANT to downsize?

Downsizing as a method for repaying a mortgage can sound like a perfect plan when the decision is years ahead.

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A fixed rate for life

With so much uncertainty in the mortgage market at present the security of knowing a borrowing rate is fixed for life can be reassuring.

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Retirement is not cheap!

There is a general feeling that at retirement we won’t need as much money as we did earlier in life.

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Equity Release funding the “Bank of Mum and Dad”

Many people still consider Equity Release a “last resort” however an increasing number of people are choosing this route to help other family members.

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Equity Release rates at an all-time low

A familiar concern is that rates for Equity Release borrowing are significantly higher than other finance options however this recent report shows how low rates are for retirement lending.

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Interest Only Mortgages – how Equity Release can help

I speak with many clients who think that if their Interest Only Mortgage is due to end they will have to sell their home and move to be able to pay off the mortgage.

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44% of Equity Release transactions used to help family

Whilst Equity Release can be used to repay debt, it can be used for so many other reasons.

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Mindset changes over where our retirement income comes from

It has not been previously considered to take one’s property into account when looking at how to finance retirement however this is starting to change.

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