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There are still mortgages available

You may have seen a number of headlines over the past week around mortgages and interest rates, designed to get a reaction from readers.

Despite the headlines about rate rises and lender withdrawals, our Finance Partner, Embrace Financial Services, assures us there are a significant number of mortgage products available for customers.

The withdrawals are a result of lenders repricing their products in line with the changing interest rate. Embrace expect to see many new products return to the market over the coming days, albeit the pricing may look slightly different.

This is something that happens continuously in the mortgage market, and means they well placed to support you with all your financial advice requirements during these ever-changing circumstances.

Martin Lewis* shared some useful advice about what mortgage customers should do next:

“If you're serious, speak to a broker - they're currently more important than ever. Lenders' acceptance criteria differ from one to the next, plus they're subject to change - something that's been done at short notice in reaction to the cost of living crisis… 

To navigate the maze, we strongly suggest you use a mortgage broker. They do the 'finding a deal' work for you and have details of most lenders' acceptance criteria, which aren't easily obtainable by the public, plus many deals (even some product transfers) that can only be accessed via brokers.” 

As always, we are available should you need any support or advice on your finances and insurance. If you would like to chat through you options please call us on 01392 453589.

Get the best mortgage deal for you

Whether you're a first time buyer, moving home, looking for help getting onto the property ladder or an experienced buy-to-let investor, you will want to get the best mortgage to suit your individual needs.

Lauristons are able to introduce mortgage services to you through Embrace Financial Services, a mortgage broker with a team of expert financial advisers.

Plus with fantastic new technology you could get a Mortgage in Principle within only 30 minutes.

What would you like to do?

If you would like to see if they can get you the best deal on your mortgage, call them on 01392 453589 or fill in the form to request a callback

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This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of lenders. Make an appointment to receive mortgage advice suitable for your needs and circumstances.

Reasons to choose Embrace Financial Services

98%

Customers would recommend us *

4,500

First time buyers on property ladder

17,500

Mortgage applications submitted

£3 billion

Mortgage submissions valued

EFS 1000s  

Choice

They have access to 1000s of mortgage deals from 100s of lenders, including well known high street providers. These often include exclusive deals that cannot be accessed by going direct to the lender. 

     
EFS safe  

Safe

Advisers will conduct secure video or telephone appointments so you can get expert advice from the comfort and safety of your home. 

EFS tailored  

Tailored

Embrace Financial Services will listen to your needs and circumstances and recommend the best products for you. 

     
EFS communication  

Communication

They provide excellent communication and will stay in touch every step of the way.  All documents can be shared safely and quickly electronically.

We have mortgages available from a wide range of well known providers

What customers say about EFS

In partnership with Embrace Financial Services

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Embrace Financial Services usually charges a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £499 to £999 and this will be discussed and agreed with you at the earliest opportunity.

* Treating Customers Fairly survey 2021.