Financial adviser in Cheam
Request a mortgage appointment with our adviser in Cheam and we will be in touch to get you booked in.
Nick Ward
I have worked in Estate Agency and Financial Services since 1982, and been in my current role with Embrace since 1994. During this time I have helped thousands of people move. It is a 'dream' to own one's own property and when it goes wrong people describe what's happened as a 'nightmare'. To that end, I am always prepared to go above and beyond for my clients, and can draw on my long experience in this industry, to help them not just with arranging and protecting their mortgages, but also with dealing with other aspects of the transaction when necessary. Many of my clients I helped in the 1990's are still in touch with me, and now they are recommending their children to me for me for advice.

Rated Excellent by our customers
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Why Embrace Financial Services?
Getting a mortgage doesn’t have to be overwhelming. Our advisers give expert advice and guidance throughout the process, as well as mortgages tailored just for your situation.
Our leading-edge technology checks you against multiple lenders at the same time to tell you who is willing to lend to you and what amount they will lend. So instead of multiple meetings with different lenders, in just one meeting with us, you’ll have the information you need to give you the buying power to purchase your next home.

5-star service

Trusted advisers

Appointments when you need them

Get time back in your day

5-star service

Trusted advisers

Appointments when you need them

Get time back in your day
What we offer?
The Embrace Financial Adviser in Cheam can provide help and advice in the following areas: mortgages, re-mortgages, first time buyer mortgages, buy to let mortgages, help with mortgage applications, as well as life insurance, critical illness cover and income protection.
Rated 4.8
out of 5


I feel like I am in safe hands and that my best interests are at the heart of all suggestions and advice. Thank you! I can't recommend Carl and also Embrace enough!

Shaneel was incredibly helpful throughout the entire mortgage process. He was kind, patient, and took the time to clearly explain everything I needed

Shaneel was incredibly helpful throughout the entire mortgage process. He was kind, patient, and took the time to clearly explain everything I needed to know. Thanks to his support and expertise, I was able to secure a great deal. I truly appreciated his professionalism and guidance — highly recommended!

James was excellent at helping us to secure the best deal for our new mortgage whilst also helping us to understand the options available for our existing mortgage. Excellent

James was excellent at helping us to secure the best deal for our new mortgage whilst also helping us to understand the options available for our existing mortgage. Excellent service and advice. Would recommend to anyone.


Fully recommend using Sarah Mercer at Embrace. She was always on hand with any questions we had and made us feel completely comfortable in the process.

Fully recommend using Sarah Mercer at Embrace. She was always on hand with any questions we had and made us feel completely comfortable in the process. Everything was submitted efficiently and took a lot of stress out of an already stressful situation.


Our experts will compare deals from 70+ high street lenders
*Treating Customers Fairly survey 2022
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 £599. Complex cases usually attract a higher fee. We will discuss and agree the fee with you prior to submitting any mortgage application.