EFS mortgages

Looking for a mortgage?
Embrace have access to 1000s

Embrace Logo Colour Purple Padding

Trustpilot Logo Black and 5stars

Rated Excellent by our customers

Book a mortgage appointment 

Call us on 01727 861166

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.

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

What would you like to do?

If you would like to see if Embrace Financial Services can get you the best deal on your mortgage, call them on 01727 861166 to book an appointment or fill in the form to request a callback. 


AddressChoose DateYour details

Wrong details? Start again
Your address
Please enter your postcode
Confirm Address
Date and time
Confirm date
Mortgage details
Second applicant details

Estimate how much you could borrow

This calculator provides guidance only. Each mortgage lender has it's own criteria.


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.

Book your mortgage appointment 

Reasons to choose Embrace Financial Services


Customers would recommend us 


First time buyers on property ladder


Mortgage applications submitted

£3 billion

Mortgage submissions valued

EFS 1000s 


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 computer 64 


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

EFS online support 64 


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

EFS communication 50 


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

Meet your Financial Adviser

With the help of your very own personal expert you will be assisted through every step of the process to ensure your experience is, what we firmly believe, the very best in customer service so why not take up our challenge - simply contact the team of mortgage advisers, sit back and let them do all the work for you.

Peter Groom
Peter Groom
Senior Financial Consultant
Peter has worked in the financial services industry for over 14 years and he has been a part of the team since 2019. 

Peter was born in Harlesden but moved to Dublin and then to Watford as a child, where he now lives with his family. He is a keen musician and enjoys keeping fit and spending time with his partner and son.   

Peter Groom
Senior Financial Consultant
Igor Roslonski
Igor Roslonski
Mortgage & Protection Advisor
After obtaining an Economics degree, Igor worked within the estate agency sector. An ideal foundation for working as a Protection Consultant with Embrace Financial Services.

Igor was born in Poland and moved to London at the age of 9. In his spare time, Igor enjoys keeping fit with activities such as rock climbing & bouldering and walks with his dog on the beach.

Igor Roslonski
Mortgage & Protection Advisor
David Tatnall
David Tatnall
Executive Mortgage Consultant
David has worked in the financial services industry for over 30 years, specialising in mortgages for much of that time. He has been a part of the team since 2010.

David was born in Watford and has lived there for most of his life. He was educated in Croxley Green, Rickmansworth. David is an avid Watford F.C. supporter and also enjoys travelling.

David Tatnall
Executive Mortgage Consultant

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






Post office



What customers say about EFS

Current offers


We’re supporting the NHS

To say thank you we’re giving a 20% discount* for all NHS staff on your mortgage broker fee to help with the cost of buying your home or remortgaging.

Get your 20% discount

We’re supporting the Armed Forces

To say thank you we’re giving a 20% discount* for all serving members of the Armed Forces on your mortgage broker fee to help with the cost of buying your home or remortgaging.

Get your 20% discount

Rewrds 4 forces

Embrace Financial Services
EFS mob


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 £399 to £999 and this will be discussed and agreed with you at the earliest opportunity.