we were first time buyers and didn't have a clue. Dharminder was our advisor and he was brilliant, helped us every step of the way even late on a saturday evening. We had a couple of hurdles with mortgage lenders but Dharminder went out of his way to sort it for us. We would definitely recommend him. Many thanks.

I have done a lot of mortgages through Gurneet who has been professional, helpful and always available when I email or call him. He is very knowledgeable in his field and always comes with the best offer. He is very supportive and always gives me the feeling that he is acting in my best interest. Being very happy with his services I encouraged many of my family members to do their mortgages through him and they all talk highly about him.

Very nice service, polite and helpful advisor, quick process. I would choose them again!!! Helped us with all our questions!

Gurneet has been a true asset in our finance acquisition, he is extremely knowledgeable & always secured us excellent products! He knows our portfolio & finances as well as we do so is able to advise us accurately! Thanks for all your help Gurneet & Angel keep up the good work!

As first-time buyers we really didn't have much clue on the process of buying a house. The estate agents put us through to Andrew Ford to help secure our mortgage. I can honestly say that without his help we would not have been able to get a mortgage at all. We've had a few hiccups along the way with lenders, but he has been there through it all and guided us in the best way. Embrace also have provided us with life insurance, and building and contents insurance. It was a very competitive price, and having them all with one company will save us loads of time by doing it manually. We aren't at the end yet as we are waiting for a final 'offer' from the lender, but Andrew has done so much for us, and assured us that everything will be fine, which it's looking hopeful that it will be. Can't recommend enough

As a first time buyer I came into this process not really knowing or understand how mortgages work. Joanne was immediately very knowledgeable, engaging, positive and explained everything very clearly. She's been pro active through out the entire process updating me via email, txt Msg and phone calls meaning iv been up to date reassured at all times. Iv been able to contact her and ask her whatever I have needed which has been of great help. I felt that she was genuinely trying to get what I wanted and not pushing me in one direction like when I was initially looking at a smaller deposit. She has fully appreciated and understood my requirements and what I could afford and had found me a product which above my previous expectation and really helps this move for me. For a first mortgage experience Jo has been brilliant and I thank her for her efforts and will likely use her services in the future.

David Whyte was THE shining light during our whole moving process. He was incredibly responsive , helpful and friendly and couldn't do enough to help with the full moving process from start to finish! His service was worth every penny and I can't recommend him highly enough.

Working with Sara has been so incredibly helpful, she explains everything throughly so you feel reassured. y any decisions and has guided me through the self-employed mortgage situation with ease and confidence. I would thoroughly recommend.

Mick Purcell is without doubt an outstanding and very experienced professional . He is an honest , subject matter expert and his professionalism is a credit to the Financial Services industry . I would recommend Mick and EFS to anyone . He is the best I've ever come across and I have very high standards.

Jo Williams at Embrace has been absolutely FANTASTIC!! We are still in the stages of completing the purchase of our first home but right from day one Jo has been incredibly helpful, communicative and enthusiastic throughout and that has made the whole experience so much less daunting for us! Thank you so much Jo for all the advice you have given us and for holding our hand through the mortgage process. Rosa & Chris