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Find your next mortgage

Get the right mortgage deal for you with Embrace Financial Services.

What can I afford? Book an appointment

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Rated Excellent by our customers

Mortgage services with Embrace Financial Services

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.

JNP 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.

How much could you borrow?

Annual Income (£)
You could borrow £

• 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 the specific lender.
• You should make an appointment to receive mortgage advice which will based on your needs and circumstances.

What mortgage do I need?

Mortgage

If you are a first time buyer there are a selection of mortgage types to choose from. Our advisers can help guide you to the right one.

Remortgage

Remortgaging is when you replace your current mortgage without moving house. Your current deal could be coming to an end or you might want to release some equity.

Buy to Let

Buy to let mortgages are for people who want to invest in a property in order to rent it out. If you are buying with the sole intention of renting then you need a Buy to Let mortgage.

Help to Buy

As a first time buyer there may be different mortgage rates open to you. Including the 95% Help to Buy Mortgage Guarantee Scheme.

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Reasons to choose Embrace Financial Services

98%

Customers would recommend *

5,200

First time buyers on property ladder

17,400

Mortgage applications submitted

£3 billion

Mortgage submissions valued

Internal statistics 2022.

Mortgages available from a wide range of well known providers

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What customers say about Embrace Financial Services

Mortgage types

Fixed rate mortgage

Fixed rate mortgages are fixed for a specified number of years, so you know what your interest payments will be over that period. Following this period, the rate will usually revert to the lender's standard variable rate.

Tracker mortgage

This is a variable rate where the interest rate is a set amount above, below or equal to the Bank of England or some other base rate and so always "tracks" changes in that rate.

Standard variable rate mortgage

With this type of mortgage your payments will go up or down when the lender's mortgage rate changes. Most standard variable rates tend to move in line with the Bank of England base rate.

Discounted rate mortgage

A discounted rate gives you a set 'discount' off the lender's standard variable rate (SVR) for a specified period. For instance, if the discount was 1%, you will be charged 1% below the SVR for the period of the discount. 

Offset mortgage

This is a flexible mortgage linked to your savings or current account. With this type of mortgage, you are only charged interest on the net amount you owe the lender, after offsetting any savings or current account balances against the amount of your mortgage.

Interest only mortgage

An interest-only mortgage allows you to pay just the interest charged on the loan each month. You don’t have to repay the amount you’ve borrowed (sometimes known as the capital) until the end of the term. 

Help to Buy: Equity Loan

The Help to Buy: Equity Loan scheme closed to new applications on 31st October 2022.

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

* Treating Customers Fairly survey 2022.

Embrace Financial Services Ltd. is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority.
Embrace Financial Services Ltd, registered in England and Wales at Second Floor, The Forum, Barnfield Road, Southernhay, Exeter EX1 1QR. (06447316).

Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.

The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.