Your Trusted Mortgage & Protection Advisors in Wigan,
St Helens & Ormskirk

Book a no-obligation mortgage consultation with HFA Mortgage & Protection today. Let our expert advisers guide you to your dream home with personalized support every step of the way!

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    Welcome to
    HFA Mortgage & Protection

    Based in Wigan Helen Ferneyhough is a Mortgage Adviser who has been transforming lives since 2006 by helping thousands of clients achieve their dream homes. At HFA Mortgage & Protection, we don’t believe in cookie-cutter solutions. Every client is unique and deserves a personalised experience from start to finish. This is why Helen has handpicked a team of advisers who share her passion and dedication. Let us help you too!

    More About Us

    What We Do

    Residential Mortgage Advice

    All your mortgage advice under one roof! Personall...

    All your mortgage advice under one roof! Personally Tailored Advice At HFA Mortgage &...

    Mortgages for First Time Buyer

    Looking for a first-time buyer mortgage? Look no f...

    Looking for a first-time buyer mortgage? Look no further than HFA Mortgage & Pro...

    Buy To Let Mortgages

    Do you own multiple properties? Find out more here...

    Do you own multiple properties? Find out more here…...

    Remortgage Advice

    Is your fixed rate coming to an end or would you l...

    Is your fixed rate coming to an end or would you like to find a better rate. Find out...

    Equity Release Mortgages

    All about Equity Release Equity release is a finan...

    All about Equity Release Equity release is a financial product that allows homeowners...

    Income Protection Insurance

    Prepare for a brighter future with homeownership, ...

    Prepare for a brighter future with homeownership, but let’s not forget about se...

    Book a no-obligation consultation with us on: 01942 311555

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    Our Quick & Easy Mortgage Calculator

    Try our mortgage calculator to receive an estimate of your repayments, complete your details and we'll give you a call to talk you through the next steps.

    What Our Clients Say

    • I have used Helen’s services twice now and each time she has got me the best deal. I wouldn’t go anywhere else they always go above and beyond for their clients. Thanks Helen, Sandra and team!

      Megan Fairhurst Avatar Megan Fairhurst
      October 23, 2023

      After 5 years of hell with divorce, business and health, and the recent problems we all suffer - It has been a pleasure to deal with Jane @ HF Associates. I heartily recommend if you need someone who will stop and talk in plain English. Moving house today... read more

      Shaun Ashton Avatar Shaun Ashton
      October 23, 2023

      Excellent service from Chris, Sandra and the team, the communication and support was second to none and the team were patient despite a number of issues along the way

      Daniel Price Avatar Daniel Price
      September 8, 2026
    • Jayne and Tiana were so helpful, i couldn’t have asked for more. I would highly recommend!

      Beth starkie Avatar Beth starkie
      September 8, 2026

      A massive thanks to Helen, Sandra and Co for all their help and advice. I would highly recommend them and will definitely be using them again!

      Natalie Edmonds Avatar Natalie Edmonds
      November 23, 2023

      I highly recommend this service. Lindsay has been exceptional from the very beginning. We experienced some extended waiting periods due to the property being a Right to Buy, but she remained incredibly patient and supportive throughout the entire process. She consistently checked in with us, offered assistance, and diligently followed... read more

      Cesarina Jeffries Avatar Cesarina Jeffries
      June 3, 2026
    • Amy and Tiana were absolutely amazing through our mortgage and house journey. They made everything so stress-free and easy to manage. Constant communication throughout and always there if we needed anything. Would highly recommend and will always choose HFA.

      Brad Priest Avatar Brad Priest
      July 29, 2026

      Thanks so much again especially to Helen, Sandra & Angela for making our re mortgage stress free again, we literally couldn’t go anywhere else or trust anyone else. The best of the best. Thanks so much guys😊

      Charlotte Atkin Avatar Charlotte Atkin
      July 1, 2026

      What a fantastic service HFA Mortgage & Protection provides. Communication and support throughout the process was excellent. 5 star from start to finish.

      Kim Bluck Avatar Kim Bluck
      August 23, 2024

    News & Insights

    5 days ago

    Having an offer accepted is one of the most exciting points in buying a home. It is also the stage when several processe...

    Having an offer accepted is one of the most exciting points in buying a home. It is also the stage when several processes begin to move at the same time. Your mortgage application,...