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News & Articles

Welcome to EHF Mortgages, 

and our Mortgage & Protection articles and insights

Here, we demystify the home loans and mortgage process, offering expert advice on everything from first-time buyer tips to different protection strategies. Let us guide you through the complexities and help you realise your property dreams.

Subjects Include :

Can a Foreign National Buy Property in UK: 2026 Guide

Can a foreign national buy property in the UK? Explore mortgage options, stamp duty, deposit requirements and the documents you’ll need before buying.
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How to Buy a Property in 2026: A UK Step-by-Step Guide

Buying a property in Chelmsford? Understand deposits, mortgage affordability, upfront costs and the steps from offer to completion with EHF Mortgages.
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Type 1 Diabetic Life Insurance UK: 2026 Practical Guide

Can you get life insurance with type 1 diabetes? Learn how insurers assess HbA1c, treatment, complications and medical evidence when offering cover.
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Mortgage for Pensioners in 2026 Explained Simply

Explore mortgages for pensioners, including remortgages, RIO and lifetime mortgages, plus income, affordability and estate considerations.
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Buy to Let Mortgage vs Residential: 2026 Guide

Compare buy-to-let and residential mortgages, including deposits, affordability checks, interest rates, repayment options, tax and property costs.
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Mortgage on Timber Framed House

Can you get a mortgage on a timber-framed house? Learn how lenders assess its age, condition, warranty, insurance and construction before approving it.
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Benefits of Overpaying Mortgage: A 2026 UK Guide

Explore the benefits of overpaying your mortgage, from reducing interest to paying it off sooner, plus overpayment limits, charges and when to keep savings.
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Shared Equity Mortgage UK Guide for 2026

Explore how shared equity mortgages work, how they differ from shared ownership, and the costs, eligibility rules and repayment terms to consider.
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Can You Get a Mortgage on a Zero-Hour Contract?

Can you get a mortgage on a zero-hours contract? Learn how lenders assess income, deposits and employment history, plus the documents you may need.
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Can Pensioners Get a Mortgage in 2026? Your Full Guide

Can pensioners get a mortgage in the UK? Explore retirement income checks, lender age limits and later-life mortgage options with EHF Mortgages.
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Cover image for 'Portfolio Landlord Mortgages: The 2026 UK Guide' with blue houses and leafy accents.

Portfolio Landlord Mortgages: The 2026 UK Guide

Portfolio landlord mortgage guide for 2026. Learn how lenders assess 4+ mortgaged properties, stress test rental income and review your wider portfolio.
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Blue-toned banner with apartment buildings and houses surrounding a bold headline: 'Multi Unit Property Mortgage: Rates, LTV & Rental Income'

Multi Unit Property Mortgage: Rates, LTV & Rental Income

Learn how multi-unit property mortgages work, which lenders consider them, how rental income is assessed and what landlords need before applying.
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Banner conveying mortgage advice for moving home in 2026, with blue leaves, house, and moving truck visuals.

Moving House Mortgage Advice for 2026

Moving home? Learn how porting, remortgaging, equity, affordability and moving costs affect your mortgage and how to prepare before making an offer.
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Header banner reading 'Tracker Mortgage Explained: Your Complete 2026 Guide' with a blue house and coin/bar chart graphics on a white background.

Tracker Mortgage Explained: Your Complete 2026 Guide

Discover how tracker mortgages work in 2026, how they compare with fixed rates, the risks involved and when a tracker could save you money.
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Blue-toned banner with a house illustration and keys on the right; title reads 'First Time Buyer Mortgage Rates UK Guide for 2026' in large serif type.

First Time Buyer Mortgage Rates UK Guide for 2026

Compare first-time buyer mortgage rates in the UK for 2026, understand how deposits and LTV affect rates, and learn how to secure a better deal.
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Blue-toned cover image announcing a 2026 guide for UK borrowers on bad credit loans, with a house, wallet, and coins decorative border.

Bad Credit Loan No Broker: A 2026 Guide for UK Borrowers

Looking for a bad credit loan with no broker? Learn how direct lenders work, what checks they carry out and when specialist advice may still help.
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Banner with the title 'Essex Landlord Insurance: Top Cover for 2026' flanked by a blue house illustration on the left and a shield on the right, surrounded by blue leaves.

Essex Landlord Insurance: Top Cover for 2026

Discover what landlord insurance covers, how it works with a buy-to-let mortgage and what landlords should compare before choosing a policy.
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Title banner reading 'What Is a Section 106: Section 106 Explained' with blue leaves and columns.

What Is a Section 106: Section 106 Explained

Buying a Section 106 property? Learn how S106 agreements can affect your mortgage, eligibility, valuation and future resale before you commit.
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