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Looking for a mortgage?
Embrace have access to 1000s

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Trust Pilot - 5 Stars

Rated Excellent by our customers

Looking for a mortgage?
Embrace have access to 1000s

Embrace Logo Colour Purple Padding

Trust Pilot - 5 Stars

Rated Excellent by our customers

Looking for a mortgage?
Embrace have access to 1000s

Embrace Logo Colour Purple Padding

Trust Pilot - 5 Stars

Rated Excellent by our customers

Looking for a mortgage?
Embrace have access to 1000s

Embrace Logo Colour Purple Padding

Trust Pilot - 5 Stars

Rated Excellent by our customers

Are you looking to save money on your mortgage?

With the vast number of mortgage products available to property buyers, it is essential that our clients are able to make an informed decision regarding their finances. Lauristons introduce mortgages and protection products to Embrace Financial Services. 

Reasons to choose Embrace Financial Services

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

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.

Find out more about your financial advisers

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 amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

Book a mortgage appointment

Call us on 01392 453589‚Äč for more information or to book an appointment.

Alternatively you can request a call back by completing this form and an Embrace Financial Services adviser will call you to arrange a suitable time for your appointment.

We will use your information in order to arrange for Embrace Financial Services to respond to your enquiry. If you would like to know more about how we use your information, please read our Privacy Notice.

20% Off Mortgage Applications for those in the Armed Forces
20% Off Mortgage Applications for those in the NHS

Leah EFS

Leah May Escorido

Leah was born in the Philippines and moved to the UK 8 years ago, she currently lives in Epsom. In her spare time Leah likes to explore the world and include her other two passions, swimming and hiking.

Leah has worked in the financial services industry for 5 years. Her varied experience with many industries means she brings with her a wealth of experience. She joined the team in 2018.

Adam Webb CV1

Adam Webb

Adam was born in Suffolk and now live lives in Maida Vale. In his spare time Adam enjoys cycling around London, adventure hiking and going to the cinema.

Adam has worked in the financial services for over seven years and has previous experience working as an independent Financial Adviser. Adam has a specialism in protection advice and has a vast knowledge of UK medical underwriting. Adam joined the Embrace Financial Services team in 2017.

Leah EFS

Leah May Escorido

Leah was born in the Philippines and moved to the UK 8 years ago, she currently lives in Epsom. In her spare time Leah likes to explore the world and include her other two passions, swimming and hiking.

Leah has worked in the financial services industry for 5 years. Her varied experience with many industries means she brings with her a wealth of experience. She joined the team in 2018.

 

Adam Webb CV1

Adam Webb

Adam was born in Suffolk and now live lives in Maida Vale. In his spare time Adam enjoys cycling around London, adventure hiking and going to the cinema.

Adam has worked in the financial services for over seven years and has previous experience working as an independent Financial Adviser. Adam has a specialism in protection advice and has a vast knowledge of UK medical underwriting. Adam joined the Embrace Financial Services team in 2017.

 Government mortgage schemes

Mortgage Guarantee Scheme

Announced in the March 2021 budget, the Mortgage Guarantee Scheme is available from April 2021 and offers the chance for first time buyers, as well as existing homeowners, to obtain a mortgage loan of 95% of the value of a property, provided they can raise a deposit for the remaining 5%. As it’s a high amount, lenders are being incentivised by the government (through a guarantee system) to encourage them to make the funds available to borrow.  

Help to Buy Equity Loan

HTB Logo 220

Help to Buy: Equity Loan (2021-2023)

Help to Buy London is a government scheme designed to help first time buyers who have never owned a property/land before to advance up the property ladder in London.

The property you buy must:

  • be a new build
  • have a purchase price of up to £600,000, subject to regional price caps
  • be the only one you own
  • not be sub-let or rented out after you buy it

How does it work?

Help to Buy is an equity loan from the government up to 40% of the value of a property, provided you have a deposit of 5% you will only need a mortgage of 55% of your new home.

What properties can I buy with Help to Buy London?

New build properties within the 32 boroughs of London up to the value of £600,000 are eligible for the Help to Buy London scheme.

When getting a mortgage you will be able to borrow up to a maximum of 4.5 times your salary.

Detailed information can be found on the Government website www.helptobuy.gov.uk

 

 

 

HTB london250
Help to Buy London equity loan example

For a property worth £400,000AmountPercentage
Cash deposit£20,0005%
Equity loan£160,00040%
Your mortgage£220,00055%

How do I pay back the Help to Buy London equity loan?

You must pay back the loan after 25 years or when you sell your home - whichever comes first.

You will not be charged any interest on the 40% loan for the first five years of owning your home.

However a management fee of £1 a month will be applicable from the date of purchase for the duration of the equity loan.

From year six, a fee of 1.75% is payable on the equity loan, which rises annually by CPI (Consumer Price Index) inflation plus 2%.

For full information about the scheme, please visit helptobuy.gov.uk

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