Financial adviser in Oswestry
Request a mortgage appointment with our adviser in Oswestry and we will be in touch to get you booked in.
Phil Cave
Phil is an Embrace Financial Services financial adviser covering Oswestry. Phil can help you make the right decisions when it comes to taking out a mortgage or insurance plan; guiding you through every step and finding the perfect option for your needs.

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 Oswestry 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

From start to finish, Simon Chapman was brilliant, the process was slick, excellent advise and nothing was too much trouble. All questions were answered

From start to finish, Simon Chapman was brilliant, the process was slick, excellent advise and nothing was too much trouble. All questions were answered promptly. Overall I would highly recommend

I was recommended to Vishal Popat at Embrace FS through an estate agent I made initial enquiries with. Though I actually ended up purchasing a property

I was recommended to Vishal Popat at Embrace FS through an estate agent I made initial enquiries with. Though I actually ended up purchasing a property with a different estate agent as a First Time Buyer, I was sufficiently comfortable with his manner that I turned down several other offers to connect me to other brokers.
He was extremely helpful from beginning to end, taking time to explain all aspects of the process and address my many questions. He also took me through all elements of my mortgage offer to ensure I understood the terms properly. Despite the fact that I went through two or three options on both mortgage and property before settling on one, he was good enough to take the time to guide me on key points of each.
Overall, very trustworthy service that has helped a lot in this otherwise intimidating process.

I’ve been dealing with Andrew Penny for a remortgage and he’s been amazing. Took the time to call and explain everything in detail and even held off agreeing the deal

I’ve been dealing with Andrew Penny for a remortgage and he’s been amazing. Took the time to call and explain everything in detail and even held off agreeing the deal because he suspected rates might drop, which they did, securing me a better deal. Would 100% recommend Andrew. Thank you for your help.



A special thank you to Colin Hopson for being extremely professional, efficient and providing a speedy service. Communications are prompt and I was never left

A special thank you to Colin Hopson for being extremely professional, efficient and providing a speedy service. Communications are prompt and I was never left waiting. I cannot recommend highly enough.


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.