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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

Mortgage deals tailored to you

Taking out a mortgage is a big commitment - whether you're getting one for the first time or looking to remortgage.

Davis Tate have partnered with Embrace Financial Services to provide you with access to expert mortgage and protection advice that is tailored to your needs.

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. 
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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 today on 08456 026990 or fill in the contact form to request a callback.  

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

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Book a mortgage appointment

Call us on 08456 026990​​ 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.

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Chris Pledge

Chris Pledge

Chris was born and raised in Greenford, Middlesex, and lives in West Wycombe. Apart from spending his spare time with his children, Chris also enjoys football, having been a Class One Football Referee and a Football League 4th Official.

Chris has over 30 years’ experience in the financial services industry, working for an assurance company and a high street lender in various roles, including as a financial consultant. He joined the team in 2015.

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Amanda Saville mono

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.

Richard C b&w

Richard Cluderay

Richard was born in Tilehurst, Reading and currently lives in Padworth, West Berkshire, with his family. In his spare time, he enjoys rebuilding and restoring classic motorbikes.

Richard has been employed in the financial services industry for over 20 years and has always specialised in mortgages. He has been a part of the team since 2013.

Simon Martindale mono

Simon Martindale

Simon was born and raised in Tilehurst, Reading and currently lives over the border in Cholsey, Oxfordshire, with his family. As well as spending time with his family, Simon also enjoys going running, playing squash and listening to music.

Simon has been employed in the financial services industry for over 15 years and has lots of previous experience as a mortgage adviser. He joined the team in 2014.

Chris Pledge

Chris Pledge

Chris was born and raised in Greenford, Middlesex, and lives in West Wycombe. Apart from spending his spare time with his children, Chris also enjoys football, having been a Class One Football Referee and a Football League 4th Official.

Chris has over 30 years’ experience in the financial services industry, working for an assurance company and a high street lender in various roles, including as a financial consultant. He joined the team in 2015.

Amanda Saville mono

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.

Richard C b&w

Richard Cluderay

Richard was born in Tilehurst, Reading and currently lives in Padworth, West Berkshire, with his family. In his spare time, he enjoys rebuilding and restoring classic motorbikes.

Richard has been employed in the financial services industry for over 20 years and has always specialised in mortgages. He has been a part of the team since 2013.

Simon Martindale mono

Simon Martindale

Simon was born and raised in Tilehurst, Reading and currently lives over the border in Cholsey, Oxfordshire, with his family. As well as spending time with his family, Simon also enjoys going running, playing squash and listening to music.

Simon has been employed in the financial services industry for over 15 years and has lots of previous experience as a mortgage adviser. He joined the team in 2014.

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Ali Nasik

Ali was born in Lahore, Pakistan and has lived in Slough, Berkshire since 2002. In his spare time, Ali likes to play cricket and badminton and enjoys watching sport.

Ali has been employed in the financial services industry for over 15 years and has previous experience working as both a financial consultant and a mortgage and protection adviser. He has been a part of the team since 2015.

Lyam Mitchell

Lyam Mitchell

Lyam was born and raised in Hampshire. He enjoys sports and in his spare time trains for endurance events as well as playing for his local rugby and football teams. Aside from sport, Lyam also enjoys travelling.

Lyam graduated from Westminster Business School in Financial Services and has worked in the financial services industry since 2015. He has expert knowledge of the property finance market having specialised in this area since 2016.

Ali Nasik

Ali Nasik

Ali was born in Lahore, Pakistan and has lived in Slough, Berkshire since 2002. In his spare time, Ali likes to play cricket and badminton and enjoys watching sport.

Ali has been employed in the financial services industry for over 15 years and has previous experience working as both a financial consultant and a mortgage and protection adviser. He has been a part of the team since 2015.

Lyam Mitchell

Lyam Mitchell

Lyam was born and raised in Hampshire. He enjoys sports and in his spare time trains for endurance events as well as playing for his local rugby and football teams. Aside from sport, Lyam also enjoys travelling.

Lyam graduated from Westminster Business School in Financial Services and has worked in the financial services industry since 2015. He has expert knowledge of the property finance market having specialised in this area since 2016.

 Government mortgage schemes

Mortgage Guarantee Scheme

Announced in the March 2021 budget, the Mortgage Guarantee Scheme s available from April 2021 and offers the chance for first time buyers, as well 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

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Help to Buy: Equity Loan (2021-2023)

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

The property you buy must:

  • be a new build
  • have a purchase price of up to £600,000, subject to regional price caps
  • be the only one you own
  • not be sub-let or rented out after you buy it

How does it work?

Help to Buy 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.

Detailed information can be found on the Government website www.helptobuy.gov.uk

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 calculator

Help to Buy calculator

Find out what your deposit and Help to Buy deposit loan amount would be for your chosen purchase price. 

Cost
Loan value

Find out if you're eligible for Help to Buy and see how we can help you. 

Book an appointment

Other ways we can help

Mortgage appointment checklist

Be prepared for your mortgage appointment.

Find out more

Help to Buy

Find out if you can benefit from the government Help to Buy scheme

Help to Buy
Davis Tate in partnership with Embrace Financial Services
Davis Tate in partnership with Embrace Financial Services