Financial adviser in West Derby
Request a mortgage appointment with our adviser in West Derby and we will be in touch to get you booked in.
Bill Howells
Bill lives in the North West. He loves spending time with family and socialising with friends. Bill is a keen gardener, loves to travel and spending time with his two grandchildren. Bill has worked in financial services for over 30 years and has worked for the company for over 8 years. Bill loves helping clients search for the best mortgage and protection solutions, and offers a friendly, clear and straight forward approach with honest advice to help you understand the whole process from start to finish.

Rated Excellent by our customers
Find us at
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 West Derby 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

Sarah Mercer is, in one word-amazing!!! She really knows her stuff and couldn’t be more helpful if she tried. I was clueless when it came to us looking at

Sarah Mercer is, in one word-amazing!!! She really knows her stuff and couldn’t be more helpful if she tried. I was clueless when it came to us looking at our options when our fixed rate came to an end, and Sarah had helped us with our last mortgage so I had no doubts in who to ring. Within 10 minutes we had sorted what we were going to do!
We highly recommend her!
Thank you Sarah!

Sarah Mercer advised for my boyfriend and on mortgaging our first property and she made it a brilliant and easy experience. As first time buyers we

Sarah Mercer advised for my boyfriend and on mortgaging our first property and she made it a brilliant and easy experience. As first time buyers we were somewhat intimidated by the process by Sarah worked with us every step of the way accommodating our wants and needs.


I have had the pleasure of working with Simon Parker several times over the past eight years, and each experience has been consistently excellent.
Simon is highly professional, knowledgeable, and always takes the time to explain all available options clearly. He listens carefully to your individual circumstances and goals, and provides tailored mortgage solutions that best suit your needs.
I highly recommend his services to anyone seeking expert, trustworthy mortgage advice.





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.