Embrace Financial Services Blog

Read the latest financial blogs to give you tips and advice on mortgages, insurance and a range other financial products and opportunities.

February 8th 2021
The Scottish Government has announced that, from 1 April 2021, it is to offer first time buyers a further £60 million to support them in buying property via its First Home Fund following its success last year.
January 20th 2021
Embrace Financial Services (EFS) has announced that, in light of the current crisis, it is providing extra training to its Financial Advisers, more recently in relation to Protection Insurance. The aim being to provide extra support in discussing a subject that, for many of their customers, may be hard to understand and easy to ignore.
January 7th 2021
Results from a recent national survey (*) have highlighted that literally hundreds of thousands of tenants in England and Wales could now be in rent arrears as a result of the current Covid-19 crisis.
January 4th 2021
For anyone thinking about buying a property the overriding questions are probably going to be whether you’ll be able to afford it and how much deposit you’ll need to pay.  Talking it over with family or friends, or even accessing an online budget planner, might help initially but there are also government schemes that could assist you. Here we provide a round-up of what’s on offer.
January 4th 2021
Embrace Financial Services (EFS) already has a great range of mortgage products and deals to choose from when helping customers to find a mortgage and yet, knowing that each and every customer has their own individual needs and requirements, it also knows the bigger the range it has, the more options become available. It’s for that reason that EFS is delighted to announce that three more lenders have joined its Lender Panel.
January 1st 2021
Some might think that the chances of getting a mortgage if you are self-employed or a contractor, at the current time, are slim but that’s not necessarily the case. Many lenders, including many of the well-known ones, have a real appetite to help the self-employed, but, as Embrace Financial Services highlight, it’s all about being open and transparent with the information you provide and answering the questions the lenders may ask, for example:
December 11th 2020
The decision to get married at the same time as buying a new home is likely to result in a lot of anxiety and hard work before your plans and dreams are realised so when, along the way, you are suddenly let down by someone you’d turned to for help, it can be devastating. 
December 11th 2020
Selling and buying a property is stressful enough but when there’s other important family factors to consider it’s even more heart breaking to hear, one month after putting an offer in for a new property, that your broker hasn’t secured a mortgage for you and you risk being unable to buy.
November 25th 2020
At the start of 2020 few of us will have anticipated the upheaval and distress that this year would bring and for some, as it comes to an end, there’s continued uncertainty about their finances and, in particular, their mortgage repayments and how they can afford them in the future.
November 24th 2020
Whilst the current Covid-19 crisis continues to create uncertainty across the UK there’s been some more positive news for those looking to buy or sell a property with the government confirming that the housing market will remain open and that, importantly,  transactions should keep moving.
September 29th 2020
On the 8th July 2020 the Government announced a stamp duty holiday to support the economy through the COVID-19 pandemic. The stamp duty holiday lasts until the 31st March 2021.
September 29th 2020
For many the health and well-being of close family members is a top priority and events of recent months have probably led to an even greater appreciation of this. Questions about what will happen if you, or they, were to lose a job, fall ill, or even worse, die may often come to mind as well as the fear of not knowing what to do to minimise the impact.