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

    • HF Associates was realy helpful, they made the dealing stress free. Thank you.

      Dan Obeada Avatar Dan Obeada
      October 23, 2023

      Had a seamless purchase of a property thanks to The advice and mortgage application process I recieved from Helen and followed thoroughly through to completion by case manager Sandra. Brilliant 👏 can't say anymore.

      Mike Foster-Bond Avatar Mike Foster-Bond
      January 23, 2024

      Brilliant service from the team - especially Helen who is very helpful and always available when needed! Would highly recommend :)

      Jo Toner Avatar Jo Toner
      December 23, 2023
    • 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

      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

      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
    • Smooth and efficient service from the start to the completion of my mortgage. Sandra was most helpful in dealing with any queries that we had.

      Charles Cropper Avatar Charles Cropper
      October 23, 2023

      I hope Mike Burrows reads this and it put a smile on his face. He is the most knowledgeable, patient, professional and super helpful mortgage advisor I have ever met. I am surprised he hasn’t blocked my number cos of my numerous questions about mortgages hahah. He wants you to... read more

      Eni guess Avatar Eni guess
      August 23, 2024

      Cannot THANK / Recommend Laura and Sandra enough. Laura worked tirelessly to secure the best mortgage rate for us and was on hand around the clock to answer / help with any of our mortgage related needs during what was a turbulent time in the housing market.

      Justin Smith Avatar Justin Smith
      October 23, 2023

    News & Insights

    3 days ago

    What is mortgage affordability? When people begin planning a home purchase, one of the first questions is usually: how m...

    What is mortgage affordability? When people begin planning a home purchase, one of the first questions is usually: how much can I borrow? It is tempting to expect a simple answer b...