Get the best mortgage deal for you
Whether you're a first time buyer, moving home or an experienced buy-to-let investor, you will want to get the best mortgage to suit your individual needs.
Thomas Morris are able to introduce mortgage services to you through Embrace Financial Services.
Reasons to choose Embrace Financial Services
 | Choice - 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. |
 | Safe - Advisers will conduct secure video or telephone appointments so you can get expert advice from the comfort and safety of your home. |
 | Tailored - Embrace Financial Services will listen to your needs and circumstances and recommend the best products for you. |
 | 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, call them on 0845 009 1098 or fill in the form to request a callback.
We have listed below the financial advisers that provide expert advice to our Thomas Morris 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.
Justyna Ferra
Justyna was born and raised in Poland and has lived in Cambridgeshire since 2006. She was educated at the University of Economics in Poland and the Anglia Ruskin University in Cambridge. As well as enjoying time with her family, Justyna likes to play computer games as she is very competitive!
Justyna has over 5 years’ experience in the financial services industry, previously working for a high street lender as a mortgage consultant. She joined the team in April 2015.
Simon Durose
Simon grew up in Brampton, near Huntingdon, after his father was posted there with the R.A.F. He was educated at Brampton School and Hinchingbrooke School. He now lives in Godmanchester with his family. In his spare time, Simon enjoys running.
Simon has worked in the financial services industry since 1994, initially as an estate agent, before moving into mortgage broking in 2013. He joined the team in 2015.
Martin Doy
Martin was born in Great Yarmouth, Norfolk, and raised in Oulton Broad, near Lowestoft, Suffolk. He has lived in Biggleswade, Bedfordshire, since 2012 with his family. In his spare time, Martin enjoys walking, hiking and geocaching.
Martin has over 15 years’ experience in the financial services industry, initially working part time whilst studying finance and economics at Norwich University. He also worked full time for an insurance company and an estate agency before joining the team in 2015.
Ray Lang
Ray was born and raised in Hemel Hempstead and was educated at Cavendish School and Dacorum College of Higher Education. He currently lives in Buntingford with his family. In his spare time Ray enjoys running, which includes taking part in half marathons!
Ray has worked in the financial services industry for many years and has previous experience in banking, insurance and as a financial consultant for a corporate estate agency. He has been a part of the team since 2015.
Sarah Mercer
Sarah was born and raised in Peterborough. For 20 years she has been very active in Scouting and still spends her spare time volunteering.
Sarah has had previous roles as a Financial Operations and Compliance Management and qualified in 2016. She joins the team following a very successful 2018 with over £14million of mortgages written.
Martin Doy
Martin was born in Great Yarmouth, Norfolk, and raised in Oulton Broad, near Lowestoft, Suffolk. He has lived in Biggleswade, Bedfordshire, since 2012 with his family. In his spare time, Martin enjoys walking, hiking and geocaching.
Martin has over 15 years’ experience in the financial services industry, initially working part time whilst studying finance and economics at Norwich University. He also worked full time for an insurance company and an estate agency before joining the team in 2015.
Justyna Ferra
Justyna was born and raised in Poland and has lived in Cambridgeshire since 2006. She was educated at the University of Economics in Poland and the Anglia Ruskin University in Cambridge. As well as enjoying time with her family, Justyna likes to play computer games as she is very competitive!
Justyna has over 5 years’ experience in the financial services industry, previously working for a high street lender as a mortgage consultant. She joined the team in April 2015.
Ray Lang
Ray was born and raised in Hemel Hempstead and was educated at Cavendish School and Dacorum College of Higher Education. He currently lives in Buntingford with his family. In his spare time Ray enjoys running, which includes taking part in half marathons!
Ray has worked in the financial services industry for many years and has previous experience in banking, insurance and as a financial consultant for a corporate estate agency. He has been a part of the team since 2015.
Simon Durose
Simon grew up in Brampton, near Huntingdon, after his father was posted there with the R.A.F. He was educated at Brampton School and Hinchingbrooke School. He now lives in Godmanchester with his family. In his spare time, Simon enjoys running.
Simon has worked in the financial services industry since 1994, initially as an estate agent, before moving into mortgage broking in 2013. He joined the team in 2015.
Sarah Mercer
Sarah was born and raised in Peterborough. For 20 years she has been very active in Scouting and still spends her spare time volunteering.
Sarah has had previous roles as a Financial Operations and Compliant Management and qualified in 2016. She joins the team following a very successful 2018 with over £14million of mortgages written.
Mortgage Guarantee Scheme
Help to Buy Equity Loan
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 £407,400 for the 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.
Help to Buy Equity Loan example
| For a property worth £400,000 | Amount | Percentage |
|---|---|---|
| Cash deposit | £20,000 | 5% |
| Equity loan | £80,000 | 20% |
| Your mortgage | £300,000 | 75% |
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
