
Finding you the right mortgage for your needs, backed by expert guidance.
Rated Excellent by our customers
About Embrace Financial Services
At Embrace Financial Services, we specialise in Mortgage and Protection services, including later life lending. Our experienced team is dedicated to providing you with the best solutions to meet your financial needs, whether you're looking to secure a mortgage, protect your assets, or explore other financial opportunities. Discover our comprehensive range of services designed to support your financial journey.
Our Core Services
Mortgage Services
- First-Time Buyer Mortgages: Tailored solutions for first-time homebuyers.
- Remortgaging: Helping you find better rates and terms for your existing mortgage.
- Buy-to-Let Mortgages: Financing options for investment properties.
- Later Life Lending: Specialised lending options for those in later stages of life, ensuring financial stability and flexibility.
Protection Services
- Life Insurance: Comprehensive life insurance plans to protect your loved ones.
- Critical Illness Cover: Financial support in case of serious illness.
- Income Protection: Safeguarding your income in the event of unexpected circumstances.
Additional Services via Referral
Through our trusted network of partners, we offer a range of additional financial services to meet all your needs:
- Second Charge Lending: Access additional funds secured against your property.
- Commercial Lending: Financing solutions for business growth and development.
- Bridging Finance: Short-term financing options to bridge the gap between transactions.
- Equity Release: Unlock the value of your home with equity release options.
- General Insurance: Comprehensive insurance plans to protect your assets and investments.
- E-Surv Property Surveys: Professional property surveys for accurate property valuations and assessments.
Why Choose Embrace Financial Services?
At Embrace Financial Services, we pride ourselves on our personalised approach and commitment to excellence. Our team of experts is here to guide you every step of the way, ensuring you have the support and advice you need to make informed financial decisions.
We're Convenient
In as little as 30 minutes, we can provide you with the assurance of knowing your potential borrowing capacity - meaning less paperwork, no time-consuming comparison shopping across lenders and more clarity on what's needed for initial applications.
We're Helpful
Our experienced advisers provide friendly and approachable guidance with everything you need. Plus, your first appointment comes with no obligation. If you choose to proceed, we take care of all associated paperwork making it stress free on your end.
We're Personalised
We have access to thousands of mortgages from various providers and will take into account your individual circumstances when finding something suitable – giving you peace of mind while making sure you get best deal for your circumstances.
We'll support you the whole way
We are ready with patient advice; nothing is ever too much trouble. Whether it's budgeting tips or liaising between parties involved in the purchase, our aim is to help make everything easier.
We'll stay in touch afterwards
After reviewing your mortgage, we'll monitor your mortgage and you'll be notified if there is a better deal out there.
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 £549. Complex cases usually attract a higher fee. We will discuss and agree the fee with you prior to submitting any mortgage application.
Read, first hand, about the real life experiences of some of our customers


Very pleased with the service I got from Vishal and his company.

David Meredith has helped me throughout the purchase of my property, buying alone is scary and confusing but he has helped me with any questions

David Meredith has helped me throughout the purchase of my property, buying alone is scary and confusing but he has helped me with any questions I had making the process quick and efficient, very happy with the choice I had made to have David as my mortgage advisor

We would like to express our deepest appreciation for all the hard work and dedication Carl has shown throughout our journey of securing a mortgage and

We would like to express our deepest appreciation for all the hard work and dedication Carl has shown throughout our journey of securing a mortgage and purchasing our property. From the very beginning, he was always available to assist us, offering guidance and support whenever we needed it. His kindness and professionalism were evident in every interaction, as he consistently ensured that we fully understood our position and the steps involved in the buying process. Carl followed us closely through each stage, providing reassurance and clarity while always being honest about the situation. His expertise and commitment helped us navigate the complexities of purchasing a home, making what could have been an overwhelming process much more manageable and positive. Thanks to Carl’s unwavering support, we as a family have finally achieved our goal of buying a property, and we couldn’t be more grateful. His dedication, patience, and professionalism have truly made a difference in our lives, and we deeply appreciate everything he has done for us.
Thank you very much!

Vishal Popat was amazing from start to finish. His knowledge and expertise has helped us navigate the art of the possible with our home move, securing us a

Vishal Popat was amazing from start to finish. His knowledge and expertise has helped us navigate the art of the possible with our home move, securing us a great mortgage with the right borrowing amount we needed. He helped us across a full range of issues and processes from the initial decision in principle, a short term mortgage product with no fees when our house sale delays meant we went onto the SVR as our old mortgage came to an end, and finally a great product on our new home. He has always been there at the end of the phone throughout this process which hasn’t been without its hiccups and stress (it’s taken over a year to move)! He has been wonderful. Thank you Vish!



Simon was extremely helpful and put our minds at ease, he explained everything thoroughly and really helped us to understand our options and feel confident in our

Simon was extremely helpful and put our minds at ease, he explained everything thoroughly and really helped us to understand our options and feel confident in our decisions with our mortgage - highly recommend!