Financial adviser in Swanley
Request a mortgage appointment with our adviser in Swanley and we will be in touch to get you booked in.
Michael Wing
Michael is an Embrace Financial Services financial adviser covering the Dartford area. I have been working within financial services for over 20 years now and have a vast amount of knowledge and experience. I pride myself in the service I provide to all of my clients, helping them secure the right mortgage and protection options for their individual needs. Whether you are buying your first home, moving, or just wanting to arrange some protection for you or your family, let me hold your hand and guide you through your journey.

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 Swanley 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 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.



I am absolutely delighted to share my experience working with Vishal Popat, our Senior Financial Consultant, who provided

I am absolutely delighted to share my experience working with Vishal Popat, our Senior Financial Consultant, who provided exemplary support in our successful home purchase.
From our very first interaction, Vishal's professionalism was evident. He approached every aspect of our financial planning with meticulous attention to detail and a deep understanding of the market. What truly set him apart was his incredible empathy. He genuinely understood our anxieties and aspirations throughout the complex process, making us feel heard and supported every step of the way.
Vishal's clarity in communication was a game-changer. He broke down intricate financial concepts into easily digestible information, ensuring we fully understood all our options. His advice was not just informative but also incredibly insightful, proving crucial in our decision-making process. We felt empowered and confident, knowing we were making the best choices for our future. Vishal's responsiveness was also extremely good and it helped us move further in the process much faster.
We couldn't have navigated this journey without Vishal. His dedication, expertise, and genuine care made what could have been a stressful experience remarkably smooth and positive. We highly recommend Vishal to anyone seeking top-tier financial guidance for their home buying journey.
Thank you, Vishal, for everything!
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.