Janette Rayton
25 Mar 2026From the very first meeting Jonathan was very knowledgeable.calm clear with information and he was always there to advise.I wouldn’t hesitate to recommend Embrace they made the process of sorting my mortgage stress free.
Embrace Financial Services - Bamber Bridge is an FCA-regulated mortgage broker based in South Ribble, PR5 6LA, specialising in Buy-to-Let, First Time Buyers, Remortgages and 1 other areas. Rated 5/5 from 3 reviews.
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Meet our experienced team of mortgage professionals
Charlotte Harris
Mortgage Adviser
Daniel Evans
Protection Specialist
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Janette Rayton
25 Mar 2026From the very first meeting Jonathan was very knowledgeable.calm clear with information and he was always there to advise.I wouldn’t hesitate to recommend Embrace they made the process of sorting my mortgage stress free.
chinweike okechukwu
20 Mar 2026I had the best experience dealing with the company. Initially I was overwhelmed with the requests and documentation but I was made to understand the reasons a trust me it’s for perfection.Every step was a step closer to acquiring my house. I can only say thank you for the support.
Pepe Elsworth
14 Mar 2026Jonathan did a great job job and went above and beyond to ensure we got the best deal possible, including taking calls outside of office hours.
Bryony Kilpatrick
6 Mar 2026Absolutely 5* service from Jonathan would highly recommend. Kept me fully up to date found the best deal for me and my circumstances and kept me appraised of changing mortgage rates and when best to apply.
Kate Edwards
27 Feb 2026Jonathan at Embrace was amazing! He was so easy to talk to, friendly, knowledgeable and made the whole process of getting our first mortgage so smooth. I can't recommend him and the team more. Fantastic!!!
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UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.

Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.

Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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