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.

June 9th 2021
Property portal Zoopla has suggested, in its latest House Price Index(*), that 1.5 million homes will be changing hands this year - 45% more than in 2020 -  meaning competition amongst buyers could be strong. Here we explain how, by gaining a mortgage in principle, you could place yourself in a better position to buy a property and we also answer questions about what might happen once you have one.
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 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.
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.
September 28th 2020
The kitchen is often referred to as the “heart of the home” and, for many, that’s certainly become true following the recent na...
January 22nd 2020
Calling all Scottish first time buyers. A new scheme called First Home Fund is now available to anybody who is a first time buyer in Scotland. First time buyers can get up to £25,000 to help you buy your first home. This scheme covers second hand properties and new builds too.
December 18th 2019
If you are in the market for you’re very first home after saving enough to put towards a mortgage deposit, the next step is to find out how much you can borrow.
December 12th 2019
Getting your first mortgage can be a daunting process – it is likely to be your biggest expense ever, it feels complicated with lots of information needed plus there are different types of products and many different deals from a huge number of lenders. So how are you meant to know if you’re getting the best mortgage for your budget?