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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    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

    • We have recently just bought our first home and without Kate Close we would have been lost. What an absolute gem Kate is, from our very first zoom call to the end of a very long process (due to the legals aspect) Kate has been there all the way and... read more

      Antonia Brierley Avatar Antonia Brierley
      May 12, 2026

      We highly recommend HFA. We recently needed to set up a new fixed mortgage deal, as our current one was coming to an end. We received excellent and very efficient service, from both Jayne Richardson and Tiana McLoughlin.

      Julie Cromwell Avatar Julie Cromwell
      August 9, 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
    • 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

      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

      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
    • This is our second time using HFA to assist with our mortgage, Cheryl is great, really informative & always helpful, it just makes the process a lot easier & smooth. Thanks to Cheryl & everyone at HFA 😌

      Calleigh Turner Avatar Calleigh Turner
      June 3, 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

      Excellent service again! Our remortgage was nice and smooth thanks to Helen and her team!

      Christian Chesworth Avatar Christian Chesworth
      October 23, 2023

    News & Insights

    6 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,...