We’ve been helping clients secure their homes since 1994 – back when mortgage rates were near 10% and endowment policies were the norm. A lot has changed in 30+ years, but the fundamentals remain the same. EHF Mortgages is the independent mortgage broker you can trust to guide you to the best mortgage for your circumstances. Even if you have been refused, we might be able to help.
First Time Buyers and Home Movers can rely on our expertise to guide them through the home buying process, making the most of available schemes and incentives.
Whether you’re switching deals, settling existing finance, or funding home improvements, we make refinancing straightforward.
Homeowners aged 50 and over can access later-life mortgages that release funds in retirement, offering flexible financial support when it’s needed most.
We specialise in property and mortgages – guiding you through one of life’s biggest financial decisions with clarity, care, and expert advice.
To be your go-to mortgage broker, trusted for offering the broadest choice of solutions tailored to your goals and financial future.
To deliver the right mortgage and protection solutions through expert advice, personal service and trusted guidance, every step of the way.
Stop wasting valuable time searching for answers. With over 40 years of combined experience, EHF Mortgages is here to guide you through one of life’s biggest financial decisions. We offer independent advice, deep industry insight, and a commitment to finding the right solution for your unique circumstances.
Owner
With over 35 years of experience in the mortgage and financial services industry, Justin Moy is the driving force behind EHF Mortgages. Known for his calm, clear advice and ability to simplify even the most complex cases, Justin has helped thousands of clients secure the right mortgage – from first-time buyers and seasoned landlords to clients with adverse credit or irregular income streams.
Justin’s particular expertise lies in problem-solving: when others say no, he finds solutions. Whether navigating challenging affordability rules, self-employed income structures, or complicated credit histories, he has a strong track record of helping clients achieve homeownership even when the odds seem stacked against them. His in-depth market knowledge and direct relationships with specialist and high street lenders ensure that clients get access to the best mortgage products available.
In addition to his mortgage expertise, Justin offers tailored advice on life insurance, income protection, and critical illness cover, helping clients protect their homes and families. He’s a regular contributor to the financial press, including the BBC and national newspapers, with over 1,000 published insights on mortgages, rates, and lending. Known for solving complex cases, Justin ensures every client gets the right solution for their needs, now and in the future.
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Founder
Mortgage Broker
Mortgage Analyst
Mortgage Administrator
