Someone you know has had a great experience with EHF Mortgages, and they think you deserve the same expert advice and support.
Whether you’re buying your first home, remortgaging, or protecting your family, we’re here to help.
And because they’ve referred you, we’re giving you both something back. – No catch. No fuss. Just a thank you.
You get a £50 Amazon Voucher* – 
They’ll get a £50 Amazon Voucher*
Whole market mortgage and insurance advice Support with complex cases or tricky circumstances Straight-talking, experienced guidance you can trust
* Refer a Friend – Terms & Conditions
EHF Mortgages
1. The Promoter
The Refer a Friend Scheme (“the Scheme”) is promoted by EHF Mortgages, a trading brand of Essex Home Finance Limited (“we”, “us”, “our”).
2. Eligibility
2.1 The Scheme is open to UK residents aged 18 or over.
2.2 The referrer must be an existing client of EHF Mortgages or have previously used our services.
2.3 Employees of EHF Mortgages and their immediate family members are excluded from the Scheme.
3. How the Scheme Works
3.1 To qualify for a referral reward, you must introduce a friend, family member, or colleague (“the Referee”) to EHF Mortgages.
3.2 The referral must be made before the Referee contacts EHF Mortgages directly.
3.3 The Referee must be a new client who has not previously made an enquiry or received advice from EHF Mortgages.
3.4 The Referee must proceed with a mortgage or related financial product through EHF Mortgages that completes successfully.
4. Referral Reward
4.1 Subject to these Terms & Conditions, the referrer will receive a reward once the Referee’s mortgage or qualifying product has completed.
4.2 The reward will be as advertised on our website at the time of referral (for example, a gift voucher or cash equivalent).
4.3 Only one reward is payable per successful referral.
4.4 There is no limit to the number of referrals a referrer may make, provided each referral meets these Terms & Conditions.
5. Payment of the Reward
5.1 Rewards will be issued within 30 days of the qualifying completion.
5.2 Rewards are non-transferable and no cash alternative is available unless expressly stated.
5.3 EHF Mortgages reserves the right to substitute a reward with an alternative of equal value if necessary.
6. Qualifying Products
6.1 Qualifying products may include, but are not limited to:
Residential mortgages
Buy-to-let mortgages
Remortgages
Equity Release / Lifetime Mortgages
Retirement Interest Only (RIO) mortgages
6.2 We reserve the right to exclude certain products or cases from the Scheme at our discretion.
7. No Guarantee of Acceptance
7.1 Referrals do not guarantee that the Referee will be accepted for a mortgage or financial product.
7.2 All applications are subject to lender criteria, affordability assessments, and underwriting decisions.
8. Data Protection
8.1 Any personal data provided as part of the Scheme will be processed in accordance with our Privacy Policy.
8.2 It is the referrer’s responsibility to ensure they have the Referee’s consent before sharing their details with us.
9. Fair Use & Abuse
9.1 EHF Mortgages reserves the right to withhold or withdraw a reward if we reasonably believe the Scheme is being abused, manipulated, or used fraudulently.
9.2 Self-referrals are not permitted.
10. Changes or Withdrawal of the Scheme
10.1 EHF Mortgages reserves the right to amend, suspend, or withdraw the Scheme at any time without prior notice.
10.2 Any changes will not affect referrals already submitted and accepted prior to the change.
11. Regulatory Information
11.1 EHF Mortgages is authorised and regulated by the Financial Conduct Authority.
11.2 Mortgage advice is subject to individual circumstances and suitability assessments.
12. Governing Law
12.1 These Terms & Conditions are governed by the laws of England and Wales.
12.2 Any disputes arising in connection with the Scheme shall be subject to the exclusive jurisdiction of the courts of England and Wales.
