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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    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 can't thank Helen and the team at HF Associates enough for all their help and guidance with purchasing my new home. As a first time buyer they made me feel at ease and were always at the end of the phone if I needed anything. Special thanks to Sandra... read more

      Carmen Barrett Avatar Carmen Barrett
      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

      Absolutely amazing team! Laura and Sandra were great through every step of the process. Buying my first home was daunting to say the least. They have made it the smoothes experience. Thank you soooo much

      Rosie shire Avatar Rosie shire
      November 23, 2023
    • Can’t praise Jane and her team enough, all went above and beyond to help with my remortgage. Explained everything step by step and took ownership of the whole process. Really appreciate the support and time spent, thank you! Would highly recommend

      Brian Jopson Avatar Brian Jopson
      May 23, 2024

      Absolutely fantastic from start to finish. Laura found and secured us a great mortgage deal. Laura was there every step of the way, very efficient and responsive to messages. Also big thank you to Sandra for the updates through the process. Highly recommend 5* :) x

      Gemma Wilson Avatar Gemma Wilson
      October 23, 2023

      Jane and Sandra have made the experience of buying our first home stress free and smooth sailing. The communication is great and are always at the other end of the phone/email to answer any queries and concerns. We got a good mortgage rate given our current circumstances. Would definitely recommend!

      Ella Tarbuck Avatar Ella Tarbuck
      October 23, 2023
    • Helen is truly the standard to how all other mortgage advisors should be. Her communication is timely and to the point, she will tell you the facts of the matter and not lead you down the garden path. If it can be done, Helen is the one who will be... read more

      Frank Francis Avatar Frank Francis
      October 23, 2023

      We have just had our mortgage accepted on our first home and can’t recommend Helen and the team enough! I think it only took just over 3 weeks in total from the first initial chat to getting our final offer which I never expected as a business owner was possible.... read more

      Emily Campbell Avatar Emily Campbell
      February 23, 2024

      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

    News & Insights

    5 days ago

    When arranging a mortgage, one of the first questions many buyers and homeowners ask is: “Should I use my bank or a mo...

    When arranging a mortgage, one of the first questions many buyers and homeowners ask is: “Should I use my bank or a mortgage adviser?” It is an understandable starting point. M...