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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    What Our Clients Say

    • Our case was handled by Kate and Tiana — two brilliant people who made the whole experience a pleasure. We were thoroughly guided and kept informed at every stage of the process, which gave us complete confidence in our decision. We couldn't be happier that we chose them, and would not... read more

      Sarosh Tariq Avatar Sarosh Tariq
      March 18, 2026

      HF Associates provided expert insight and support throughout the whole sale and purchase process giving us guidance and options with a positive approach. A massive thank you from my family as HF played a major part in securing our perfect home. Highly recommended 👏

      Craig Kaye Avatar Craig Kaye
      October 23, 2023

      Nothing was too much trouble for Helen & the team. Very knowledgeable & always updated me promptly with any developments, seeing it through to the very end. Would absolutely recommend them. Thanks

      Phil Barker Avatar Phil Barker
      October 23, 2023
    • HFA have been so helpful and understanding of our situation. They truly felt like we were valued and the advice was not generic, but individual. They was there to help whenever we needed them and was happy to do all the leg work to help us secure our first ever... read more

      paul Avatar paul
      August 10, 2026

      My son Anthony used Helen to get his mortgage. She went above and beyond at all times and kept him constantly informed throughout the process. She was polite and courteous at all times. I would definitely recommend her services…..thank you so much!

      Ann Avatar Ann
      October 23, 2023

      Brilliant service, special thanks to Jane Murphy for organising my new mortgage deal. Completely stress free experience, she found us the best deal on the market that suited my needs. I never had to lift a finger. 5 star service

      Phillie Gowan Avatar Phillie Gowan
      October 23, 2023
    • Couldn’t fault the great level of support and help I received throughout my mortgage process I would highly recommend this company .

      Helen Beard Avatar Helen Beard
      July 23, 2024

      Would highly recommend them just had our mortgage changed over, they kept us informed at each stage, worked in our best interest at all times, they took all the pressure of us and were always on hand when we needed them, would definitely use them again.

      julie robinson Avatar julie robinson
      November 23, 2023

      A very helpful team from day, one, HFA helped us through the credit checks and obtaining the best mortgage possible, through to getting the necessary insurance in place and the helping chase the vendors' solicitors and estate agent to get the process through. Very good value for money service..

      Stephen Clarke Avatar Stephen Clarke
      August 22, 2026

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