Find out about our latest mortgage deals

We are constantly updating our mortgage deals.

Speak to us to find out if we can get the best deal for you.

Book an appointment

Find out about our latest mortgage deals

We are constantly updating our mortgage deals.

Speak to one of our expert advisers to find
out if we can get the best deal for you.

Book an appointment

Find out about our latest mortgage deals

We are constantly updating our mortgage deals.

Speak to one of our expert advisers to find
out if we can get the best deal for you.

Book an appointment

Find out about our latest mortgage deals

We are constantly updating our mortgage deals.

Speak to one of our expert advisers to find
out if we can get the best deal for you.

Book an appointment

Latest mortgage deals

Below is an example selection of mortgage deals currently available from our panel of lenders.

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.

Product Initial Interest Rate Until Follow On Interest Rate Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
5 year fixed available for purchases and remortgages in England and Wales 3.99% 01/11/2021 5.74% 95% 4.5% (APRC) £0 More Details
2 year fixed for purchases and remortgages across the UK 2.14% 31/01/2019 4.49% 90% 4.24% (APRC) £1499 More Details
2 years fixed for purchases only, in England, Scotland and Wales 1.58% 30/11/2018 3.75 85% 3.52% (APRC) £995 More Details
5 year fixed for purchases only, across the UK 2.27% 28/02/2022 5.54 80% 4.31% (APRC) £995 More Details
2 year fixed for REMORTGAGES ONLY, across the UK 1.84% 31/12/2018 3.74% 60% 3.45% (APRC) £0 More Details
5 year fixed available for purchases and remortgages in England and Wales
Initial Interest Rate Until Follow On Interest Rate
3.99% 01/11/2021 5.74%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
95% 4.5% (APRC) £0
Book an Appointment

Features:

Maximum loan: £275,000

Representative example:

Based on a mortgage of £142,500 on a property valuation of £150,000 repaying the mortgage over 10 years, initially on a fixed rate of 3.99% fixed until 01/11/2021 and then on a variable rate (currently 5.74%) for the remaining 5 years. This would require 60 monthly payments of £1,442.07 followed by 60 monthly payments of £1,504.73. The total amount you must pay back, including the amount borrowed is £176,888.

Incentives:

No arrangement or completion fee.

No booking fee, free basic valuation and free legals for remortgages.

Early repayment charges:
An early repayment charge (ERC) applies, which is 6 months interest until 01/11/2021.

2 year fixed for purchases and remortgages across the UK
Initial Interest Rate Until Follow On Interest Rate
2.14% 31/01/2019 4.49%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
90% 4.24% (APRC) £1499
Book an Appointment

Features:

Maximum loan: £500,000.

Representative example:

Based on a mortgage of £142,500 on a property valuation of £158,333 repaying the mortgage over 25 years, initially on a fixed rate of 2.14% fixed until 31/01/2019 and then on a variable rate (currently 4.49%) for the remaining 23 years. This would require 26 monthly payments of £613.75 followed by 274 monthly payments of £776.48. The total amount you must pay back, including the amount borrowed is £230,586.02.

Incentives:

No booking fee.

Free basic valuation and free legals for remortgages.

Early repayment charges:
Tapered early repayment charges (ERCs): 2/1% until 31/01/2019

2 years fixed for purchases only, in England, Scotland and Wales
Initial Interest Rate Until Follow On Interest Rate
1.58% 30/11/2018 3.75
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
85% 3.52% (APRC) £995
Book an Appointment

Features:

Maximum loan: £1 million.

Representative example:

Based on a mortgage of £142,500 on a property valuation of £167,660 repaying the mortgage over 25 years, initially on a fixed rate of 1.58% fixed until 30 November 2018, and then on a variable rate (currently 3.75%) for the remaining term of the mortgage. This would require 24 monthly payments of £575.28 followed by 276 monthly payments of £720.21. The total amount you must pay back, including the amount borrowed is £213,975.18.

Incentives:

No booking fee.

Early repayment charges:
Early repayment charges (ERCs): 2/1% until 30/11/2018.

5 year fixed for purchases only, across the UK
Initial Interest Rate Until Follow On Interest Rate
2.27% 28/02/2022 5.54
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
80% 4.31% (APRC) £995
Book an Appointment

Features:

Maximum loan: £1 million.

Representative example:

Based on a mortgage of £142,500 on a property valuation of £178,125 repaying the mortgage over 25 years, initially on a fixed rate of 2.27% fixed until 28/02/2022 and then on a variable rate (currently 5.54%) for the remaining 20 years. This would require 63 monthly payments of £622.90, followed by 237 monthly payments of £826.16. The total amount you must pay back, including the amount borrowed is £236,245.12.

Incentives:

No booking fee and free basic valuation.

£250 cashback.

Early repayment charges:
Tapered early repayment charges (ERCs): 4/4/3/2/1% until 21/12/2021.

2 year fixed for REMORTGAGES ONLY, across the UK
Initial Interest Rate Until Follow On Interest Rate
1.84% 31/12/2018 3.74%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
60% 3.45% (APRC) £0
Book an Appointment

Features:

Maximum loan: £1 million.

Representative example:

Based on a mortgage of £142,500 on a property valuation of £237,500 repaying the mortgage over 25 years, initially on a fixed rate of 1.84% fixed until 31 December 2018, and then on a variable rate (currently 3.74%) for the remaining 23 years. This would require 25 monthly payments of £592.95 followed by 275 monthly payments of £720.66. The total amount you must pay back, including the amount borrowed is £213,005.25.

Incentives:

No booking fee and no arrangement fee.

Free basic valuation and free legals.

£300 cashback.

Early repayment charges:
Tapered early repayment charges (ERCs): 3/2% until 31/12/2018.

Please note that the above products may not be suitable to your particular circumstances and you may not be eligible for them. Please contact us for further details.

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