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

    • Very professional mortgage broker, staff are very friendly and welcoming, Michael our advisor was personable, thorough and explained everything in an understandable way with no waffle, he was extremely professional but was also helpful and did things in a timely manner. Very highly recommended

      trish gibney Avatar trish gibney
      February 23, 2024

      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

      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
    • The ladies at HFA provided an excellent service during our move this year. Amy, Tiana and Angela were very helpful, attentive, friendly and professional..organising a competitive mortgage, sorting out insurance cover and even chasing solicitors when things went quiet. Thanks very much, highly recommended 😀

      Ste Morton Avatar Ste Morton
      July 31, 2026

      Highly Recommend. Helen and the team made the process really easy and smooth for us

      Matt Avatar Matt
      February 23, 2024

      Being first time buyers we were very nervous about the process of buying a house. We were introduced to HFA Mortgage and Protection and they have been incredible throughout this whole process. From helping us with the mortgage application to getting us building insurance, they made the process so easy... read more

      Rebecca Pennington Avatar Rebecca Pennington
      May 13, 2026
    • 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

      Fabulous company to use, I can definitely recommend! Thank you KATIE for your dedication and commitment from Day 1, you were in it with us all the way pushing forward proactively and consistently to make sure Josh got his chosen first home. We appreciate your reliability and skills. Thanks LAILA... read more

      Gina Holt Avatar Gina Holt
      April 19, 2026

      I can't recommend Helen and her team highly enough. From start to finish they have managed the process, keeping us informed at every stage of our new mortgage and making us feel secure in what is a time of upheaval. Helen even negotiated a reduced rate as interest rates fluctuated,... read more

      Calum Macpherson Avatar Calum Macpherson
      January 23, 2024

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