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Looking for a mortgage?
Embrace have access to 1000s

Property Evening Final A5L

Trust Pilot - 5 Stars

Rated Excellent by our customers

Looking for a mortgage?
Embrace have access to 1000s

Property Evening Final A5L

Trust Pilot - 5 Stars

Rated Excellent by our customers

Looking for a mortgage?
Embrace have access to 1000s

Property Evening Final A5L

Trust Pilot - 5 Stars

Rated Excellent by our customers

Looking for a mortgage?
Embrace have access to 1000s

Property Evening Final A5L

Trust Pilot - 5 Stars

Rated Excellent by our customers

Our Mortgage Services

Looking for a great deal on your mortgage?

Whether you're buying for the first time, upsizing, downsizing or buying to let - we know that getting the most suitable deal for your mortgage can make a big difference when you're looking for your next property.

At Goodfellows, we introduce you to Embrace Financial Services who are an expert provider of mortgage and protection services.

Reasons to choose Embrace Financial Services

EFS 1000s

Choice - 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 communication

Communication - 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, then call 01392 453560 or fill in the contact form today and they will call you back to book an appointment for you. 

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

Property Evening Final A5L

Mortgage enquiry form

Call us on 01392 453560 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

Anya Mika

Anya Mika

Anya was born and educated in Poland and has been living and working in the UK for over 12 years. She currently lives in Wallington, Surrey. In her spare time, she enjoys going to the gym and ice-skating.

Anya has over 10 years' experience in the financial services industry, including employment as a senior negotiator with various estate agencies and working for a high street lender. She joined the team in 2015.

Kieran Watt

Kieran Watt

Kieran was born and raised in Kingston upon Thames. He was educated at Malden Manor Primary School and Beverley Boys' School (which is now known as Coombe Boys' School). He currently lives in Epsom with his family. As well as spending time with his family. Kieran enjoys playing and watching football.

Kieran has worked in the financial services industry for over 10 years, originally starting as a trainee negotiator and quickly progressing to as sales manager. He has been part of the team since, 2012 and is responsible for training and coaching other staff members as well as providing an excellent service to all customers.

Nick Carter

Nick Carter

Nick was born and raised in Molesey, near Hampton Court, and went to school in Esher. He currently lives in Burgh Heath, near Banstead. Before coming to work in the financial services industry, Nick was a qualified P.G.A. golf professional!

Nick has worked in the financial services industry for over 10 years, with lots of previous experience as both an employed and a self-employed mortgage adviser. He joined the team in 2011.

Tracy Thomas

Tracy Thomas

Tracey was born and raised in the London Borough of Enfield and has lived with her family in Addleston, Surrey, since 2008. In her spare time, Tracy enjoys going to the gym.

Tracy has over 10 years' experience in the financial services industry, both employed and self-employed. Prior to joining the team in 2011, she worked for various estate agencies and a high street lender.

Grace Ogunbiyi

Grace Ogunbiyi

Grace was born and raised in Lagos, Nigeria, and has been living in Croydon, London, for 10 years. Apart from spending time with her family, Grace also enjoys singing.

Grace has previous experience as an accountant and has been working as a protection adviser since March 2014. She joined the team in 2017.

Kieran Watt

Kieran Watt

Kieran was born and raised in Kingston upon Thames. He was educated at Malden Manor Primary School and Beverley Boys' School (which is now known as Coombe Boys' School). He currently lives in Epsom with his family. As well as spending time with his family. Kieran enjoys playing and watching football.

Kieran has worked in the financial services industry for over 10 years, originally starting as a trainee negotiator and quickly progressing to as sales manager. He has been part of the team since, 2012 and is responsible for training and coaching other staff members as well as providing an excellent service to all customers.

Nick Carter

Nick Carter

Nick was born and raised in Molesey, near Hampton Court, and went to school in Esher. He currently lives in Burgh Heath, near Banstead. Before coming to work in the financial services industry, Nick was a qualified P.G.A. golf professional!

Nick has worked in the financial services industry for over 10 years, with lots of previous experience as both an employed and a self-employed mortgage adviser. He joined the team in 2011.

Tracy Thomas

Tracy Thomas

Tracey was born and raised in the London Borough of Enfield and has lived with her family in Addleston, Surrey, since 2008. In her spare time, Tracy enjoys going to the gym.

Tracy has over 10 years' experience in the financial services industry, both employed and self-employed. Prior to joining the team in 2011, she worked for various estate agencies and a high street lender.

Daniel Hadley

Daniel Hadley

Daniel was born in Suffolk and moved to London over nine years ago, he now lives in Balham. He is a big fan of the sunshine and lived in Spain for two summer's.

After university, Daniel worked abroad in PR before moving back to London where has has over 10 year's experience in sales, recruitment and finance. He achieved his CEMAP qualification in 2018 and has been part of the Embrace Financial Services team ever since.

 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 England

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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 £600,000.(see the Help to Buy site for 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 £400,000AmountPercentage
Cash deposit£20,0005%
Equity loan£80,00020%
Your mortgage£300,00075%

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

Help to Buy Equity Loan London

Help to Buy London - how does it work?

Help to Buy London 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.

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%

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

Embrace Financial Services
Embrace Financial Services