Embrace Financial Services Avis 

Graham Sowerby made the process effortless and smooth

Lois in the Bangor NI Branch has been absolutely fantastic. She is friendly and welcoming and takes time to fully explain everything you need to know. She found me the right mortgage product that worked for me and my income very quickly and kept me informed every step of the way. I would not hesitate to recommend her.

★★★★★

I can’t recommend Simon at Embrace Financial Services highly enough! From start to finish, he was absolutely amazing and truly went above and beyond. During what turned out to be a particularly difficult situation with my solicitor, Simon stepped in and provided outstanding support, keeping everything on track and reducing a huge amount of stress.

He made his part of the mortgage process feel completely effortless, which is exactly what you need when making such a big and often overwhelming decision. His professionalism, clear communication, and willingness to go the extra mile really stood out.

If you’re looking for someone reliable, supportive, and genuinely committed to helping you every step of the way, Simon is the person to trust. Thank you again for all your help!

We had a fantastic experience working with Hardip Lota as first-time buyers. From the very start, he was incredibly patient and took the time to explain everything clearly, which really helped us feel more confident and less overwhelmed.
Hardip was always available whenever we had questions, no matter how small, and provided guidance throughout every stage of the process. He made sure we understood all the different parts of buying a house, especially the areas we weren’t familiar with.
His support and reassurance made what can be a stressful process feel much more manageable. We truly appreciated his professionalism, knowledge, and dedication.
We would highly recommend Hardip to anyone, especially first-time buyers looking for clear advice and excellent service.

Ray at EFS has been the one to sort our last 3 mortgage deals for us over the past few years. Always gets us the best deal possible and we are happy with the service every time.

I got service from Roshan Correa. He was amazing and so helpful during the all purchasing process. Although I got some delays because of the seller's side solicitor, his great support help me to finish the purchasing process of my home. Roshan and EFS were always so reachable during the all steps. I would like to thank to all team!

Simon Parker has been amazing with everything. He has guided us through our whole mortgage application and helped it run as smoothly as possible. He has always been available for calls, emails and video calls when needed and answered all questions quickly and in detail. All information and documentation has been provided quickly and he has ensured we are at ease all the time. Highly recommend Simon to anyone that is applying or renewing their mortgage. Will definitely be using him again in 5 years to renew ours. Thank you!!!

James Hindley is who worked with my husband and I, helping us out, for almost a year now, with getting our mortgage sorted. James has been nothing less than amazing. He is a hard worker and will go more than the extra mile for you. My husband works late during the week and James often worked past his hours to accommodate this so he could talk to both of us. Through many challenges, like properties going into probate mid-sale, James has never failed to communicate promptly. We have never had to chase him, we have never been left in the dark. As first-time-buyers, he was so helpful and trustworthy, helping us through everything and keeping us well informed. He is just delightful and is an asset to Embrace Financial Services.

Lois was exceptional. She supported me at every stage of the process, which made the experience so much less stressful.

Thank you very much, I would highly recommend your services to any friends and family in the future.

A big thank you to Lois K who helped us with our mortgage/extension application before our house sale and purchase, the advice and communications we received were very much appreciated.

Anne Page helped me through every stage of securing a mortgage.
She was nothing less then excellent, very helpful and had every answer to any question you could think of.

We used Amy in Bishop Stortford, couldn’t have made the process any easier. Nobody likes having to re-mortgage, however Amy made it easy and stress free. Will defiantly be directing friends and family in her direction. Thank you again. T

An honest 5 stars .

I started my journey looking for my first home around the end of January 2026 and by Beggining of April I had the keys .

Danielle Knox helped me every step of the way , keeping my mind at ease by always being there to answer any unsettling questions .

I would highly recommend using embrace financial services .

Amy at Embrace Financial Services was amazing to deal with. She guided me through the multitude of options with concise and clear communication that enabled me to make a quick decision that suited my needs and circumstances....many thanks.

We recently had the pleasure of working with our mortgage advisor, Amy Prescott and we honestly couldn’t be happier with the experience. From start to finish, Amy was incredibly professional, knowledgeable, and supportive throughout the entire process.

Buying a home can feel overwhelming, but they made everything so much clearer and easier to manage. Amy took the time to explain all of our options in a way that made sense, answered every question we had (no matter how small), and kept us updated every step of the way. It really felt like Amy genuinely cared about getting the best possible outcome for us.

Thanks to Amy’s hard work and dedication, my partner and I were able to secure our mortgage smoothly and with far less stress than we expected. Amy’s attention to detail and commitment to helping us succeed made a huge difference.

We’re incredibly grateful for all of Amy’s help and would highly recommend Amy to anyone looking for a reliable, friendly, and efficient mortgage advisor.

I can't speak highly enough regarding our recent experience with Embrace. We were provided with information on getting financial advice from Embrace, and were contacted by Lois. Lois was welcoming, patient, and nothing was too much trouble. Lois went above and beyond to support us during a difficult financial period, making what would have been a very stressful time much easier to navigate. I can't thank Lois from Embrace enough and would highly recommend Embrace and Lois for any financial guidance.

I wanted to take a moment to express my deepest gratitude to Andy White our family Broker both myself and my Sister have had the pleasure of having you in our corner . You haven't just acted as a broker you’ve treated my family and me like part of your own. Thank you for always making time for us, handling last-minute requests, and answering our questions at all hours of the day.
Your honesty, truthfulness, and willingness to work above and beyond to secure the best deals and discounts have made this process seamless. We are truly eternally grateful for your dedication and kindness. We could not have asked for a better person in our corner. You are a real asset to your company and I recommend you to all my family, freinds and work colleagues. Thank you once again from myself and my sister and brother in law.

Lois arranged a mortgage for my daughter for her first home and I can't thank her enough. She made the whole process stress free and easy. Needless to say my daughter is very excited about her new home!

Amy (Darby) is fab! She made what is normally an incredibly stressful and confusing process into something straightforward and simple! Amy was completely transparent about everything and it felt like she was genuinely invested in getting me the best possible outcome. Amy is personable, polite and professional...just what I needed! Thank you soooo much!!!! Lauren