Menu
x

COVID-19 UPDATE:  We are still open and operating safely for buyers, sellers, renters and landlords. Find out more

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

Looking for a mortgage?
Embrace have access to 1000s

Embrace Logo Colour Purple Padding

Trust Pilot - 5 Stars

Rated Excellent by our customers

We can help you find the best mortgage for you

With the vast number of mortgage products available to property buyers, it is essential that our clients are able to make an informed decision regarding their finances. JNP introduce mortgages and protection advice through Embrace Financial Services.

Reasons to choose Embrace Financial Services

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

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 communicationCommunication - 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 on 01392 453558 or fill in the contact form today and they will be in touch to help you. 

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

Book a mortgage appointment

Call us on  01392 453558 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

2 73

Amanda Saville

Amanda was born and raised in Middlesex and lives in Hillingdon with her husband and daughter. Amanda enjoys various activities including going to the theatre, ballet and travelling.

Amanda has worked in the financial services industry for over 30 years and has lots of previous experience in mortgage and protection advice. She has been a part of the team since 2014

Graeme McColm

Graeme McColm

Graeme was born and raised in High Wycombe and educated at John Hampden Grammar School and Bucks University. He still lives in High Wycombe with his family. In his spare time, Graeme enjoys going to the gym, going running and watching football. Graeme has over 10 years’ experience in the financial services industry, including 7 years as a senior mortgage adviser with a bank. He has been a part of the team since 2013.

 

2 73

Amanda Saville

Amanda was born and raised in Middlesex and lives in Hillingdon with her husband and daughter. Amanda enjoys various activities including going to the theatre, ballet and travelling.

Amanda has worked in the financial services industry for over 30 years and has lots of previous experience in mortgage and protection advice. She has been a part of the team since 2014.

David Yates

David Yates

David was born in Brent, London, and raised in the Ruislip area of West London. He has lived in Iver Heath, South Buckinghamshire, since 2011. David enjoys spending his spare time with his family and going to watch Arsenal play football.

David has worked as a mortgage adviser for various estate agencies since 2002 and joined the team in July 2010, initially as a senior adviser. As Area Development Manager, David oversees and supports other financial advisers as well as providing an excellent service to our customers.

Graeme McColm

Graeme McColm

Graeme was born and raised in High Wycombe and educated at John Hampden Grammar School and Bucks University. He still lives in High Wycombe with his family. In his spare time, Graeme enjoys going to the gym, going running and watching football.

Graeme has over 10 years’ experience in the financial services industry, including 7 years as a senior mortgage adviser with a bank. He has been a part of the team since 2013.

Jon Cox

Jonathan Cox

Jon was born in High Wycombe and was raised in Downley where he still lives. He is a member of Downley Cricket Club and Downley Albion Football Club. Jon also enjoys playing golf. He has previously raised money for meningitis by climbing Ben Nevis in Scotland.

Jon has previous experience in the financial services industry, working as an insurance consultant. He then studied privately for his financial adviser qualifications before joining the team in 2014.

Sara

Sara Donati

Sara was born in Pisa, Italy, and was initially raised in Cecina, Italy, before moving to Bourne End, Buckinghamshire. She currently lives in Loudwater, Buckinghamshire, with her family. In her spare time, Sara likes going to the gym, dancing and trying out new fine dining restaurants.

Sara has previous experience in the financial services industry, including working for 3 years as a mortgage adviser for an independent firm and dealing with a wide range of clients, from first time buyers to limited companies. She joined the team in 2016.

Sean Palmer April 2019

Sean Palmer

Sean was born in Wexham and lived there for 16 years, before moving with his family to High Wycombe. Sean enjoys spending his free time keeping fit, he likes to compete in powerlifting competitions.

Sean has worked across several different industries before he came to work in general insurance, and then moving across to protection. He enjoys training and mentoring colleagues new to the protection industry. Sean joined Embrace Financial Services in 2019.

.

Sara

Sara Donati

Sara was born in Pisa, Italy, and was initially raised in Cecina, Italy, before moving to Bourne End, Buckinghamshire. She currently lives in Loudwater, Buckinghamshire, with her family. In her spare time, Sara likes going to the gym, dancing and trying out new fine dining restaurants.

Sara has previous experience in the financial services industry, including working for 3 years as a mortgage adviser for an independent firm and dealing with a wide range of clients, from first time buyers to limited companies. She joined the team in 2016.

Sean Palmer April 2019

Sean Palmer

Sean was born in Wexham and lived there for 16 years, before moving with his family to High Wycombe. Sean enjoys spending his free time keeping fit, he likes to compete in powerlifting competitions.

Sean has worked across several different industries before he came to work in general insurance, and then moving across to protection. He enjoys training and mentoring colleagues new to the protection industry. Sean joined Embrace Financial Services in 2019.

 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

Help to Buy logo rgb

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 £437,600, for the South East of 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 £320,000AmountPercentage
Cash deposit£16,0005%
Equity loan£64,00020%
Your mortgage£240,00075%

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

Embrace Financial Services
Embrace Financial Services