Training Example: Frost’s Estate Agents – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H2] Value my property
Book an accurate valuation with an expert valuer or get an instant online sales or rental valuation of your property with our quick tool
Value my property Get an estimate

[IMG: St Alban]

[H2] How can we help?

[IMG: Family looking at a home]
Buying

[IMG: Happy family looking at a tablet]
Selling

[IMG: Two Women Relaxing On Sofa With Hot Drink In New Home]
Renting

[IMG: Tenants viewing a property]
Landlords

[H2] Register for property alerts
Be the first to know about our latest properties for sale and for rent when you register for a My Frost's account, and get notifications on your mobile with the My Frost's app.
Register now

[IMG: Couple checking their saved searches on My Move]

What our customers say
Based on 1,668 reviews
[IMG: Google]

Very good and efficient service.Stuart was amazing and very helpful,helped make the process smooth and not stressful and communicatiin was great.
Yeukai Chawasarira

Very good and efficient service.Stuart from the Dunstable office was amazing and very helpful,helped make the process smooth and not stressful and communication was great.
Yeukai Chawasarira

It has been a pleasure working with Frost’s. Very efficient, professional and committed to ensuring the move was smooth . It was a joy having Stuart handing all the requirements.
Collean Jeche

Frosts took EXCELLENT care of me and my family as we learned how to navigate the rental market. As newcomers to the UK from abroad, we didn't know where to start, and the team at Frosts helped us figure it all out. Once we found a property we loved, Shelby was a huge help in the application process and every step of the way. Clinton was also an exceptional guide in our viewing of the property. The team at Frosts is 10/10: we received the best possible service from this exceptional team!
David Howe

From the off to the finish Frosts in St Albans were fantastic. Our sale wasn’t easy, and without Nick & Tom’s help & perseverance I don’t think it would have happened. Realistic in setting our expectations, keeping us informed and going the last mile to make it happen. Thank you to all the team who helped make our dream come true.
James Bird

My girlfriend and I recently bought a property in St Albans with the help of Nick Baker at Frosts. As first time buyers we required plenty care and hand holding throughout the process. Fortunately Nick was patient with us from start to finish and always available to have a chat when we needed it. They were also our lettings agent at our flat and helped us negotiate a smooth end to our tenancy. We’d recommend Frosts for first time buyers and renters in St Albans. Thanks again!
Roberto Chaplin

Based on 1,668 reviews
[IMG: Google]

[H2] Our latest news

[IMG: Help me Fix service update: Smarter maintenance support for landlords]

Help me Fix service update: Smarter maintenance support for landlords
Maintenance can be a demanding part of managing a rental property. In this blog, we look at our partnership with Help me Fix, how it’s streamlining the process, and share an update on our out-of-hours service.
May 10th 2026

[IMG: The Renters’ Rights Act is now in effect: what landlords need to know]

The Renters’ Rights Act is now in effect: what landlords need to know
The Renters’ Rights Act 2025 is now in force, bringing major changes to the private rented sector. In this blog, we outline the key reforms and what they mean for landlords in practice.
May 9th 2026

[IMG: Section 13 notice explained: A practical guide for landlords]

Section 13 notice explained: A practical guide for landlords
In this blog, we outline how Section 13 notices work in practice, what landlords need to get right, and how to approach rent increases with confidence.
May 8th 2026

[IMG: What are the pros and cons of furnishing your rental property?]

What are the pros and cons of furnishing your rental property?
One of the key decisions landlords face when preparing a property for the market is whether to let it furnished or unfurnished. In this blog we explore the pros and cons of furnished vs unfurnished lets and how to choose the right approach for your investment.
May 7th 2026

[H1] Mortgage services with Embrace Financial Services
Whether you're a first time buyer, moving home, looking for help getting onto the property ladder or an experienced buy-to-let investor, you will want to get the best mortgage to suit your individual needs.
Frost's are able to introduce mortgage services to you through Embrace Financial Services, a mortgage broker with a team of expert financial advisers.
Plus with fantastic new technology you could get a Mortgage in Principle within only 30 minutes.
If you would like to see if Embrace Financial Services can get you the best deal on your mortgage, call them on 01727 861166 or book an appointment below.

[H2] See all mortgage best buys

View all rates

[H2] What mortgage do I need?

Mortgage

If you are a first time buyer there are a selection of mortgage types to choose from. Our advisers can help guide you to the right one.

Remortgage

Remortgaging is when you replace your current mortgage without moving house. Your current deal could be coming to an end or you might want to release some equity.

Buy to Let

Buy to let mortgages are for people who want to invest in a property in order to rent it out. If you are buying with the sole intention of renting then you need a Buy to Let mortgage.

Help to Buy

As a first time buyer there may be different mortgage rates open to you. Including the 95% Help to Buy Mortgage Guarantee Scheme.

Reasons to choose Embrace Financial Services

4.5 stars
Average rating on Trustpilot
3,620
First time buyers on property ladder
14,596
Mortgage applications submitted
£2.3 billion
Mortgage submissions valued

Internal statistics 2023

Choice
They have access to 1000s of mortgage deals from a range of lenders, including well known high street providers.

Tailored
Embrace Financial Services will listen to your needs and circumstances and recommend the best products for you.

Safe
Advisers will conduct secure video or telephone appointments so you can get expert advice from the comfort and safety of your home.

Communication
They provide excellent communication and will stay in touch every step of the way. All documents can be shared safely and quickly electronically.
Book a mortgage appointment

[H2] Appointment checklist
Unsure of what to bring to your mortgage appointment? Why not use our helpful checklist.
Find out more

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[H2] Mortgages available from a wide range of well known providers

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[H2] What customers say about Embrace Financial Services
Trustpilot

[H2] Mortgage types

Fixed rate mortgage

Fixed rate mortgages are fixed for a specified number of years, so you know what your interest payments will be over that period. Following this period, the rate will usually revert to the lender's standard variable rate.

Tracker mortgage

This is a variable rate where the interest rate is a set amount above, below or equal to the Bank of England or some other base rate and so always "tracks" changes in that rate.

Standard variable rate mortgage

With this type of mortgage your payments will go up or down when the lender's mortgage rate changes. Most standard variable rates tend to move in line with the Bank of England base rate.

Discounted rate mortgage

A discounted rate gives you a set 'discount' off the lender's standard variable rate (SVR) for a specified period. For instance, if the discount was 1%, you will be charged 1% below the SVR for the period of the discount.

Offset mortgage

This is a flexible mortgage linked to your savings or current account. With this type of mortgage, you are only charged interest on the net amount you owe the lender, after offsetting any savings or current account balances against the amount of your mortgage.

Interest only mortgage

An interest-only mortgage allows you to pay just the interest charged on the loan each month. You don’t have to repay the amount you’ve borrowed (sometimes known as the capital) until the end of the term.

Help to Buy: Equity Loan

The Help to Buy: Equity Loan scheme closed to new applications on 31st October 2022.

[IMG: Embrace in partnership with Frost]

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Mortgage and Protection services are referred to Embrace Financial Services Ltd.
Your initial mortgage appointment is without obligation.We normally charge a fee for our services; however, it is payable only on the submission of your mortgage application. The fee will depend on your circumstances but our standard fee is £599. Complex cases usually attract a higher fee. We will discuss and agree the fee with you prior to submitting any mortgage application.
Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.

[H2] St Albans

[H2] Sales
01727 861 166sales@frosts.co.uk
[H2] Lettings
01727 861 166lettings@frosts.co.uk

View Branch Details
[H2] Dunstable

[H2] Sales
01582 342626dunstable.sales@frosts.co.uk
[H2] Lettings
01582 342626dunstable.lettings@frosts.co.uk

View Branch Details
[H2] Harpenden

[H2] Sales
01582 768 666sales@frosts.co.uk
[H2] Lettings
01582 768 666lettings@frosts.co.uk

View Branch Details
[H2] Marshalswick

[H2] Sales
01727 852 295sales@frosts.co.uk

View Branch Details
[H2] Wheathampstead

[H2] Sales
01582 833 444sales@frosts.co.uk

View Branch Details
[H2] Lettings Client Services

[H2] Lettings Client Services
01727 861166lettings@frosts.co.uk

View Department Details
[H2] Land & New Homes

[H2] Sales
01727 814272sales@frosts.co.uk

View Branch Details

[H1] Sell your property with Frost's
Frost’s have been successfully selling homes in your area for 30 years. So whether you're just starting to think about moving and would like some helpful advice or want to get moving straight away we are happy to help and will tailor our service to suit you.
Our branches are based in St Albans, Harpenden, Marshalswick and Wheathampstead and we cover these are and surrounding villages.

[H2] What would you like to do?

Find out about our property marketing

Check your property value

Check out local sold house prices

[H2] Take control with My Frost's
See how your property is performing and track your sale progress, viewings and offers with My Frost's, and get mobile notifications with the My Frost's app.
Take control with My Frost's

[IMG: St Albans aerial shot]

[H2] Reasons to choose Frost's

1
Professional photography
The first thing a potential buyer will see is the photography. That's why we take professional photography to make sure your property stands out.
Find out more

[IMG: Professional photpgraphy]

2
We provide property updates 24/7 through My Frost's
Find out quickly about viewings, offers and selling progress with our My Frost's online file.
Find out more

[IMG: My Move customer account]

3
Accurate floorplans
We create accurate floorplans as part of the property marketing pack as we know buyers want to know the exact layout of your property when searching for their next home.Find out more

[IMG: Professional floorplans]

4
Marketing on the UKs largest property portals
As well as our own website, we also market your property through the main portals including Rightmove and OnTheMarket to increase the number of buyers viewing your property. Find out more

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5
Excellent local brand presence
Our brand is well known and we generate significant numbers of quality enquiries from potential buyers.Find out more

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6
We're award winning
We have been recognised by the industry for being an excellent estate agent. Find out more

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7
Mortgages, conveyancing and surveys all available through us
We can introduce you to selected partners who have everything you need to move, from mortgages, to surveys and conveyancing. Find out more

[IMG: Happy couple with an adviser]

What our customers say
Based on 1,668 reviews
[IMG: Google]

Very good and efficient service.Stuart was amazing and very helpful,helped make the process smooth and not stressful and communicatiin was great.
Yeukai Chawasarira

Very good and efficient service.Stuart from the Dunstable office was amazing and very helpful,helped make the process smooth and not stressful and communication was great.
Yeukai Chawasarira

It has been a pleasure working with Frost’s. Very efficient, professional and committed to ensuring the move was smooth . It was a joy having Stuart handing all the requirements.
Collean Jeche

Frosts took EXCELLENT care of me and my family as we learned how to navigate the rental market. As newcomers to the UK from abroad, we didn't know where to start, and the team at Frosts helped us figure it all out. Once we found a property we loved, Shelby was a huge help in the application process and every step of the way. Clinton was also an exceptional guide in our viewing of the property. The team at Frosts is 10/10: we received the best possible service from this exceptional team!
David Howe

From the off to the finish Frosts in St Albans were fantastic. Our sale wasn’t easy, and without Nick & Tom’s help & perseverance I don’t think it would have happened. Realistic in setting our expectations, keeping us informed and going the last mile to make it happen. Thank you to all the team who helped make our dream come true.
James Bird

My girlfriend and I recently bought a property in St Albans with the help of Nick Baker at Frosts. As first time buyers we required plenty care and hand holding throughout the process. Fortunately Nick was patient with us from start to finish and always available to have a chat when we needed it. They were also our lettings agent at our flat and helped us negotiate a smooth end to our tenancy. We’d recommend Frosts for first time buyers and renters in St Albans. Thanks again!
Roberto Chaplin

Based on 1,668 reviews
[IMG: Google]

[H2] Selling with Frost's FAQs

What is the best time of year to put my house on the market?

Any time. It may sound like a cliché but there is no ‘best’ time of year to sell a house. While some houses may be more appealing during certain times of year (a house with a great view of the countryside may photograph better in the summer, for example), we can sell your property at any time. Buyers aren’t seasonally dependent, and we can connect you with the right one whenever you need to sell.

How long will it take to sell my home?

This can depend on a lot of things, from your property type to the housing market and what type of people are looking to buy at that time. We generally estimate that it can take anywhere from 6 to 12 weeks to complete the sale.

How do you come up with the selling price?

When it comes to the selling price, our experienced agents will look at a number of things, from local house prices to trends in the market, and come up with a number that is both competitive and realistic. Ultimately the decision on what to set your selling price at is up to you, we can only offer our expert advice and support you through the process.

Where will you advertise my property?

As well as our website, we will advertise your property through the main portals including Rightmove and Zoopla. We also maintain a large database of registered buyers who we are able to quickly match to your property via phone, email and property alerts.

What can I do to make my house more appealing?

First impressions matter when it comes to selling a property, which is why home staging is so important. There are lots of little things you can do that will make a big difference to potential buyers.
To make your rooms feel bigger, tidy away and put into storage as much as you can. If it's winter time, change your light bulbs so they're as bright as possible to make the rooms feel more welcoming. Update your covers and throws, perhaps in light, neutral colours, to try and appeal to more viewers.

What areas do you sell in?

We operate across Hertfordshire and currently have branches in St Albans, Harpenden, Marshalswick and Wheathampstead.

[H2] Useful information for sellers

[IMG: Frosts for sale sign]
Book a property valuationBook your valuation today and start your property move

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Selling guidesFind out more about what's involved in selling a property with our useful guides

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Financial services for sellersMortgages, conveyancing and surveys

[H2] Useful information for sellers

Book a property valuation

Selling guides

Financial services for sellers

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[H2] Letting and landlord services
At Frost’s, our people are the reason landlords choose us. We've hand‑picked a lettings team who genuinely care about doing the right thing — for you, your tenants and your property. Their experience, training and commitment mean you get clear guidance, proactive support and a service shaped around your goals. From navigating legislation to managing your property day to day, our team works together to make your letting experience smooth, compliant and stress‑free.

[H2] Our landlord services

Rest Assured
Full Management Service
Ideal for landlords seeking a seamless, stress-free approach to property management.

Advertise and market your property with enhanced photography, videography and floorplan.

Ongoing tenancy compliance and support

Complete maintenance management

Out‑of‑hours emergency service for tenants and property issues.

Full property compliance management, including notices served on behalf of the landlord.

What's included
View fees

Helping Hand
Rent Collection
Perfect for landlords who prefer a streamlined service with complete financial peace of mind.

Ongoing collection of rent and chasing late or missed payments.

Monthly statement of account to keep landlords updated.

Advise on annual rent reviews to help maintain market‑aligned pricing.

What's included
View fees

DIY
Introduction Only
Designed for landlords who prefer to manage their own property but want expert support in finding the right tenant.

Advertise and market your property to generate enquiries.

Arrange and accompany viewings to help secure a tenant.

What's included
View fees

[H2] Property expertise. Personal service.
No compromises.

[H2] Join our exclusive Landlord Investor Club
Exclusive off‑market opportunities for serious landlords and investors
The Landlord Investor Club is an exclusive investment service designed specifically for buyers and sellers looking for a smarter way to manage or expand their property assets.
Register for the Investor Club

[IMG: Couple looking at property details]

What our customers say
Based on 1,668 reviews
[IMG: Google]

Very good and efficient service.Stuart was amazing and very helpful,helped make the process smooth and not stressful and communicatiin was great.
Yeukai Chawasarira

Very good and efficient service.Stuart from the Dunstable office was amazing and very helpful,helped make the process smooth and not stressful and communication was great.
Yeukai Chawasarira

It has been a pleasure working with Frost’s. Very efficient, professional and committed to ensuring the move was smooth . It was a joy having Stuart handing all the requirements.
Collean Jeche

Frosts took EXCELLENT care of me and my family as we learned how to navigate the rental market. As newcomers to the UK from abroad, we didn't know where to start, and the team at Frosts helped us figure it all out. Once we found a property we loved, Shelby was a huge help in the application process and every step of the way. Clinton was also an exceptional guide in our viewing of the property. The team at Frosts is 10/10: we received the best possible service from this exceptional team!
David Howe

From the off to the finish Frosts in St Albans were fantastic. Our sale wasn’t easy, and without Nick & Tom’s help & perseverance I don’t think it would have happened. Realistic in setting our expectations, keeping us informed and going the last mile to make it happen. Thank you to all the team who helped make our dream come true.
James Bird

My girlfriend and I recently bought a property in St Albans with the help of Nick Baker at Frosts. As first time buyers we required plenty care and hand holding throughout the process. Fortunately Nick was patient with us from start to finish and always available to have a chat when we needed it. They were also our lettings agent at our flat and helped us negotiate a smooth end to our tenancy. We’d recommend Frosts for first time buyers and renters in St Albans. Thanks again!
Roberto Chaplin

Based on 1,668 reviews
[IMG: Google]

[H2] Frost's recently let properties

[IMG: 2 bedroom house to rent, Available furnished from 26/05/2026]

2 bedroom house to rent, Available furnished from 26/05/2026

£1,750 pcm

[IMG: 2 bedroom flat to rent]
Let Agreed

2 bedroom flat to rent

£4,000 pcm

[IMG: 5 bedroom end terraced house to rent, Available unfurnished from 17/06/2026]

5 bedroom end terraced house to rent, Available unfurnished from 17/06/2026

£4,000 pcm

[IMG: 2 bedroom mid terraced cottage to rent, Available unfurnished from 12/06/2026]

2 bedroom mid terraced cottage to rent, Available unfurnished from 12/06/2026

£1,895 pcm

[IMG: 2 bedroom flat to rent]
Let Agreed

2 bedroom flat to rent

£1,950 pcm

[IMG: 3 bedroom semi detached house to rent, Available unfurnished from 02/07/2026]

3 bedroom semi detached house to rent, Available unfurnished from 02/07/2026

£2,000 pcm

[IMG: 2 bedroom flat to rent]
Let Agreed

2 bedroom flat to rent

£1,600 pcm

[IMG: 2 bedroom flat to rent, Available unfurnished from 09/06/2026]

2 bedroom flat to rent, Available unfurnished from 09/06/2026

£1,850 pcm

[IMG: 1 bedroom flat to rent, Available unfurnished from 09/06/2026]

1 bedroom flat to rent, Available unfurnished from 09/06/2026

£1,600 pcm

[IMG: 2 bedroom flat to rent, Available unfurnished from 29/05/2026]

2 bedroom flat to rent, Available unfurnished from 29/05/2026

£1,795 pcm

[IMG: 1 bedroom flat to rent, Available unfurnished from 03/07/2026]

1 bedroom flat to rent, Available unfurnished from 03/07/2026

£1,495 pcm

[IMG: Flat to rent, Available unfurnished from 04/06/2026]

Flat to rent, Available unfurnished from 04/06/2026

£1,025 pcm

[IMG: Desk surrounded by green plants]
Rent Protection coverCould you afford to miss out on your rental income if your tenant can’t or won’t pay their rent?

[IMG: Dark well decorated seating area]
Are you ready for the Renters’ Rights Act?Changes are coming in the rental sector due to the Renters' Rights Act. Find out how the new legislation will affect you.

[IMG: Modern kitchen with island and stools]
Do you know your responsibilities as a landlord? Whether you’re a seasoned landlord or just getting started, it’s a great way to check where your knowledge.

[H2] Useful information for landlords

View service options and fees

Guides for landlords

Financial services for landlords