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

    • 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

      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

      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
    • The service provided by HFA - Mortgage & Protection was exceptional. Jane was very helpful and explained what was expected at every stage of the process, she also helped us get the best rate in the market at the time of application. Sandra always checked in and followed up with... read more

      Tobi Banjoko Avatar Tobi Banjoko
      September 2, 2026

      Helen and the team were amazing! Sandra was very attentive and quick to respond to any query I had. It was such a positive experience during a stressful time!! Thank you again for all your help!! Would highly recommend to anyone!!

      Eleanor Pritchard Avatar Eleanor Pritchard
      March 23, 2024

      I would highly recommend Helen Ferneyhough Associates. The whole team has been professional, helpful and supportive throughout the process of buying my home, and I am very grateful to everyone who helped along the way. A very special thank you has to go to Kate Close, my mortgage adviser. Kate has... read more

      Antonella Di Cicco Avatar Antonella Di Cicco
      September 6, 2026
    • 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

      The support that we received absolutely superseded every expectation that we had. From the very start Katie explained everything to us so thoroughly and no question was too silly. There was no pressure from the start and she explained everything option to us with a superb knowledge of the market. Katie... read more

      mollie kenyon-kellett Avatar mollie kenyon-kellett
      June 8, 2026

      I was referred to Helen from my previous broker and I can't recommend Helen enough. The advice I received was very helpful, impartial and (in my particular case) free of charge. Excellent friendly service. I wouldn't hesitate returning in the future. Thanks again!

      Martyn Holt Avatar Martyn Holt
      September 23, 2024

    News & Insights

    5 days ago

    For many buyers, particularly those purchasing for the first time, the deposit is one of the biggest parts of preparing ...

    For many buyers, particularly those purchasing for the first time, the deposit is one of the biggest parts of preparing for a mortgage. It is easy to focus on a single percentage, ...