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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

Book a mortgage appointment 

Call us on 01727 861166

At Frost's we believe that we will help find you a competitive mortgage, a mortgage tailored to suit your individual needs.

Frost's introduce mortgage and protection business to Embrace Financial Services. Their financial advisers are constantly updated and offer a comprehensive range of mortgages from across the market. 

EFS 1000sChoice - 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

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 50Communication - They provide excellent communication and will stay in touch every step of the way.  All documents can be shared safely and quickly electronically.

Embrace Financial Services can help with a range of mortgages from first time mortgages, Help to Buy and remortgaging. 

Call on 01727 861166 to book an appointment or fill in the form to request a callback. 

We have listed below the financial advisers that provide expert advice to our customers.

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.

Frost's may receive a referral fee from Embrace Financial Services for recommending their services. You are not under any obligation to use their services. Embrace Financial Services is an associated company of Frost's.

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Mortgage enquiry form

Call us on 01727 861166‚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.

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.

Open Door

David Tatnall

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 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.

Richard Hudson

Richard Hudson

Richard was born and raised in Eastbourne, West Sussex but moved to St Albans in 2014 where he currently lives with his family. In his spare time Richard enjoys playing football and golf.

Richard has worked in the financial services industry for a number of years and has previous experience as both an estate agent and a financial consultant. He has been a part of the team since 2014.

David Tatnall

David Tatnall

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 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.

Richard Hudson

Richard Hudson

Richard was born and raised in Eastbourne, West Sussex but moved to St Albans in 2014 where he currently lives with his family. In his spare time Richard enjoys playing football and golf.

Richard has worked in the financial services industry for a number of years and has previous experience as both an estate agent and a financial consultant. He has been a part of the team since 2014.

Peter Groom 131jpg

Peter Groom

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 1.jpg bw

Peter Groom

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.   

 

 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 Scheme

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Help to Buy: Equity Loan (2021-2023)

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

Who is eligible?

Help to Buy: Equity Loan (2021-2023) are available to first time buyers. The home you want to buy must be newly built with a price of up to £407,400 in East England (see the Help to Buy site for more regional caps)

How does it work?

With a Help to Buy equity loan the Government lends you up to 20% of the cost of your newly built home, so you’ll only need a 5% cash deposit and a 75% mortgage to make up the rest.

You must buy your home from a homebuilder registered for Help to Buy: Equity Loan.

The amount you pay for a home depends on where in England you buy it.

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

HTB Equity loan house infographic

Help to Buy Equity Loan example

For a property worth £300,000AmountPercentage
Cash deposit£15,0005%
Equity loan£60,00020%
Your mortgage£225,00075%

How do I pay back the Help to Buy 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 20% 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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