Done well, cross sales pay for the marketing budget. Done badly, they cost you the customer.
Embrace Financial Services is a whole-of-market mortgage advisory firm open 7 days a week, 7am to 10pm. With over 4,600 Trustpilot reviews at 4.9 stars and 75 Google reviews at 5.0 stars, they bring a trusted mortgage service to estate agents that adds a genuine revenue stream and keeps transactions moving.
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Estate agents are the first point of contact for almost every buyer and vendor in a property transaction. The mortgage conversation happens either in your office or somewhere else. If it happens somewhere else, your agency receives nothing from it -- despite the fact that you created the relationship.
When a buyer asks about mortgages and your team points them to their bank or a comparison website, the financial services revenue from that transaction goes elsewhere. A professional mortgage referral partnership with a firm like Embrace Financial Services brings that revenue back into your agency.
Buyers do their property research in the evenings and at weekends. When a buyer has a mortgage question at 8pm on a Sunday, most financial services firms are closed. Embrace Financial Services is open 7am to 10pm, seven days a week -- so no buyer falls through the gap.
A buyer who receives poor mortgage advice -- or who goes to a lender that is not right for their circumstances -- is at risk of a declined application, a delayed offer, or a case that falls through. Whole-of-market advisers like Embrace Financial Services access the broadest range of lenders to find the right fit.
Estate agents cannot give mortgage advice without FCA authorisation. Without a referral partner, your team either gives unqualified information (a compliance risk) or says nothing at all (a lost revenue opportunity). A white-label or referral arrangement with Embrace Financial Services solves this cleanly.
Embrace Financial Services works with estate agents to build a structured referral or in-branch advisory arrangement. The setup is designed around your agency's workflow -- not a one-size-fits-all financial services product.
Embrace Financial Services advisers access the full UK mortgage market -- including lenders not available directly to borrowers. This means your buyers get the best available rate and terms for their circumstances, not just what one lender is prepared to offer on any given week.
Embrace Financial Services can support your agency through in-branch advisers, video and phone consultations, or a blend of both. The model is adapted to the size of your agency and the proportion of buyers who want a face-to-face conversation versus remote contact.
The Embrace Financial Services team is available from 7am to 10pm every day of the week. This means your buyers can speak to an adviser at the time that suits them -- evenings, weekends, and bank holidays included.
Beyond mortgages, Embrace Financial Services advisers also discuss life insurance, critical illness cover, and buildings and contents insurance. This extends the financial services revenue opportunity for your agency beyond the mortgage alone.
Embrace Financial Services has specific expertise in new build mortgage products, help-to-buy schemes, and shared ownership. For estate agents with a new build department or developer relationships, this is a directly relevant capability.
The referral process is managed with full FCA compliance -- disclosure documentation, referral fee transparency, and data handling all handled by the Embrace Financial Services team. Your agency's compliance exposure is minimised while the revenue relationship is clear.
The setup process for an Embrace Financial Services partnership is straightforward. The goal is to have your team referring buyers confidently within a few days of the initial conversation.
The Kerfuffle introduction call covers your agency's current approach to mortgage referrals, your buyer volume, and what a revenue-sharing arrangement might look like for your branch profile.
Embrace Financial Services takes a brief on your agency's setup -- branch locations, buyer volumes, whether in-branch or remote advisory is the better fit, and how the referral process should be presented to your team.
The commercial terms of the referral arrangement are agreed and documented. Referral fees, compliance obligations, data-sharing processes, and reporting are all covered before launch.
The Embrace Financial Services team briefs your agency staff on how to make a referral, what to say to buyers, and how to track activity. The launch is managed so your team is confident from day one.
Embrace Financial Services provides regular reporting on referral activity, conversion rates, and income generated. Kerfuffle members have visibility of the relationship's performance from the outset.
Embrace Financial Services is featured on Kerfuffle and Compare The PropTech as a mortgage advisory specialist for estate agents. The Kerfuffle route connects you with the team so the commercial conversation covers your agency's specific setup from the start.
A mortgage referral arrangement with Embrace Financial Services generates income for your agency from every buyer who completes a mortgage. The Kerfuffle introduction sets up the conversation on terms that reflect your buyer volume and branch profile.
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A 30-minute conversation with the Kerfuffle team covers the product in the context of your specific agency setup -- followed by live Q&A and a clear picture of what the commercial relationship would look like.
Whether you are a single-office agent or a multi-branch group, the conversation is tailored to your current setup and where the biggest gains are available for your team.
Book a Zoom with KerfuffleEmbrace Financial Services is a UK-wide mortgage advisory firm based in Exeter, operating 7 days a week from 7am to 10pm. Their team provides whole-of-market mortgage advice, protection products, and general insurance to buyers introduced by estate agent partners. With over 4,600 Trustpilot reviews at 4.9 stars and 75 Google reviews at 5.0 stars, their client satisfaction record is among the strongest in the sector.
Compare The PropTech brings together the UK's leading property technology and services suppliers in one place. Explore the full directory, read verified agent reviews, and find the right tools for your agency.
Embrace Financial Services gives estate agents a whole-of-market mortgage advisory partner that is available every day of the week, handles FCA compliance, and generates recurring referral income from your existing buyer pipeline.
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