Finding you the right mortgage for your needs, backed by expert guidance.
Rated Excellent by our customers
About Embrace Financial Services
At Embrace Financial Services, we specialise in Mortgage and Protection services, including later life lending. Our experienced team is dedicated to providing you with the best solutions to meet your financial needs, whether you're looking to secure a mortgage, protect your assets, or explore other financial opportunities. Discover our comprehensive range of services designed to support your financial journey.
Our Core Services
Mortgage Services
- First-Time Buyer Mortgages: Tailored solutions for first-time homebuyers.
- Remortgaging: Helping you find better rates and terms for your existing mortgage.
- Buy-to-Let Mortgages: Financing options for investment properties.
- Later Life Lending: Specialised lending options for those in later stages of life, ensuring financial stability and flexibility.
Protection Services
- Life Insurance: Comprehensive life insurance plans to protect your loved ones.
- Critical Illness Cover: Financial support in case of serious illness.
- Income Protection: Safeguarding your income in the event of unexpected circumstances.
Additional Services via Referral
Through our trusted network of partners, we offer a range of additional financial services to meet all your needs:
- Second Charge Lending: Access additional funds secured against your property.
- Commercial Lending: Financing solutions for business growth and development.
- Bridging Finance: Short-term financing options to bridge the gap between transactions.
- Equity Release: Unlock the value of your home with equity release options.
- General Insurance: Comprehensive insurance plans to protect your assets and investments.
- E-Surv Property Surveys: Professional property surveys for accurate property valuations and assessments.
Why Choose Embrace Financial Services?
At Embrace Financial Services, we pride ourselves on our personalised approach and commitment to excellence. Our team of experts is here to guide you every step of the way, ensuring you have the support and advice you need to make informed financial decisions.
We're Convenient
In as little as 30 minutes, we can provide you with the assurance of knowing your potential borrowing capacity - meaning less paperwork, no time-consuming comparison shopping across lenders and more clarity on what's needed for initial applications.
We're Helpful
Our experienced advisers provide friendly and approachable guidance with everything you need. Plus, your first appointment comes with no obligation. If you choose to proceed, we take care of all associated paperwork making it stress free on your end.
We're Personalised
We have access to thousands of mortgages from various providers and will take into account your individual circumstances when finding something suitable – giving you peace of mind while making sure you get best deal for your circumstances.
We'll support you the whole way
We are ready with patient advice; nothing is ever too much trouble. Whether it's budgeting tips or liaising between parties involved in the purchase, our aim is to help make everything easier.
We'll stay in touch afterwards
After reviewing your mortgage, we'll monitor your mortgage and you'll be notified if there is a better deal out there.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Your initial mortgage appointment is without obligation. We normally charge a fee for our services; however, it is payable only on the submission of your mortgage application. The fee will depend on your circumstances but our standard fee is £549. Complex cases usually attract a higher fee. We will discuss and agree the fee with you prior to submitting any mortgage application.
Read, first hand, about the real life experiences of some of our customers
I worked with Simon to help arrange my first time buyer mortgage and relevent insurances. Simon was a great help throughout the process, making
I worked with Simon to help arrange my first time buyer mortgage and relevent insurances. Simon was a great help throughout the process, making everything clear, understandable and sorted out everything on my behalf.
I will be highly recommending going forward :)
Understood our requirements and how to best get what we needed in our circumstances. Everything was explained very well and produced example mortgages based
Understood our requirements and how to best get what we needed in our circumstances. Everything was explained very well and produced example mortgages based on different circumstances, allowing us to make a decision that was comfortable for our needs. Everything was straightforward, no problems, no stress.
We had an exceptional experience working with Andrew Penny to secure and renew our mortgage rates. Andy provided clear, concise advice and guided us through every step of
We had an exceptional experience working with Andrew Penny to secure and renew our mortgage rates. Andy provided clear, concise advice and guided us through every step of the process with professionalism and expertise. He took the time to understand our financial goals and helped us to secure the best possible rates, both during our initial mortgage and when it came time for renewal. What really stood out was Andy's dedication and proactive approach. He kept us informed throughout and answered all our questions promptly. Thanks to Andy's hard work, we were able to lock in great rates that have saved us significantly in the long run.
We highly recommend Andrew Penny to anyone looking for a knowledgeable, trustworthy, and responsive financial advisor.
Andrew was a real pleasure to work with. He was able to help me get a great mortgage offer for my new property. He kept me informed throughout the journey,
Andrew was a real pleasure to work with. He was able to help me get a great mortgage offer for my new property. He kept me informed throughout the journey, and put in a lot of hard work to get it over the line promptly. Highly recommended.
From our initial contact, James has gone out of his way to help us and it has felt as if nothing is ever to much trouble. Communication has been excellent throughout and
From our initial contact, James has gone out of his way to help us and it has felt as if nothing is ever to much trouble. Communication has been excellent throughout and we would highly recommend his services.
Our adviser Lewis Bovingdon-Boag was brilliant. Was always on hand whenever needed throughout the process, and always got back to us same day. He was super helpful at
Our adviser Lewis Bovingdon-Boag was brilliant. Was always on hand whenever needed throughout the process, and always got back to us same day. He was super helpful at every step of the process, giving us loads of help in understanding all of the intricacies of the mortgage market and the products. He was great at finding us the best product, and found us a deal much better than we could find ourselves. Will definitely be using for our remortgage and recommending to everyone.