Embrace Financial Services

Mortgage advice with UK-wide coverage

Embrace Financial Services is a financial advice firm based in Exeter (Devon) that operates with a network of mortgage advisers across the UK. Its activity focuses on mortgage brokerage and arranging protection products, serving both first-time buyers and long-term property investors.

The company presents itself as an alternative that reduces the burden of the mortgage process: its advisers compare deals from over 70 high street lenders and support the client throughout the entire application. The initial appointment is without obligation and the firm states that service adapts to the client's availability, including early morning, evening and even weekend appointments.

Mortgages: purchase, remortgage and buy to let

The mortgage services catalogue covers the main residential financing needs:

• Mortgages for home purchase, with specific advice for first-time buyers.
• Remortgages, with a guide, calculator and valuation associated with the process.
• Buy to let mortgages, with a dedicated appointment, guide and calculator.
• Advice for clients moving home, whether upsizing or downsizing.

The firm also offers a home buying guide and a first-time buyer guide, as well as a guide to the Embrace client portal.

Protection products

Alongside mortgage financing, Embrace Financial Services offers protection products for the home and family. The range includes buildings and contents insurance, tenant protection, life and income insurance, critical illness cover and a third-party protection programme called Protect a Friend.

Calculators and client guides

The website provides users with several calculators for financial planning: budget, mortgage repayment, remortgage, buy to let and Stamp Duty. These tools are complemented by downloadable guides on first-time buying, remortgaging, buying a new home and buy to let.

Reported activity and scope

According to data published by the company itself, in 2025 it helped 1,620 first-time buyers onto the property ladder, submitted 14,421 mortgage applications and processed applications worth £2.6 billion. The firm operates as an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd, authorised and regulated by the UK Financial Conduct Authority. Most buy to let mortgages are not regulated by the FCA.

Fee model and client referrals

The initial mortgage appointment is without obligation. The company charges a standard fee of £599, payable only when the mortgage application is submitted; complex cases may incur a higher fee, agreed with the client before submitting any application. It also runs a referral programme: anyone who refers a friend and that friend takes out a mortgage receives £100 in vouchers, with a limit of ten referrals and terms and conditions apply.

Location and contact

First Floor, Keble House, Southernhay Gardens, Exeter, Devon, EX1 1NT