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

    • 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

      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

      As first time buyers we had very little understanding of mortgage process. Mike Burrows , Mortgage & Protection Adviser was most helpful ,polite ,proactive and supportive in answering all our queries and concerns quickly ,walking through all of the formalities and helping us to decide which mortgage would be best... read more

      Daisy Chacko Avatar Daisy Chacko
      April 23, 2024
    • Mike and Taina were great throughout the process of arranging my mortgage. As a self employed person, these things are never straightforward and can be very time consuming, if you're trying to find the best deal. But they took all the hard work out of it for me... read more

      Stephen Garnett Avatar Stephen Garnett
      July 9, 2026

      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

      Helen and Sandra helped us from start to finish purchasing our first home, flawless help and would recommend without a doubt.

      Matt Nicholson Avatar Matt Nicholson
      July 2, 2026
    • I cannot recommend Helen Ferneyhough Associates enough! Both Amy Taylor and Tiana McLoughlin were absolutely incredible throughout my entire home-buying journey. Amy made the initial mortgage process clear and stress-free for my first purchase, while Tiana provided fantastic support leading right up to completion. Their communication was seamless, professional, and... read more

      Manuela Gamalie Avatar Manuela Gamalie
      July 14, 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

      Would not hesitate to recommend HFA - Mortgage & Protection. As first time buyers, they have been absolutely AMAZING by providing support and guidance throughout the entire process (not just at the mortgage application stage). The team are so approachable and there is no such thing as a stupid question.... read more

      Maisie McLaughlin Avatar Maisie McLaughlin
      April 21, 2026

    News & Insights

    4 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,...