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

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

      Christian Chesworth Avatar Christian Chesworth
      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

      Helen is truly the standard to how all other mortgage advisors should be. Her communication is timely and to the point, she will tell you the facts of the matter and not lead you down the garden path. If it can be done, Helen is the one who will be... read more

      Frank Francis Avatar Frank Francis
      October 23, 2023
    • Nothing was too much trouble for Helen & the team. Very knowledgeable & always updated me promptly with any developments, seeing it through to the very end. Would absolutely recommend them. Thanks

      Phil Barker Avatar Phil Barker
      October 23, 2023

      I have used Helen’s services twice now and each time she has got me the best deal. I wouldn’t go anywhere else they always go above and beyond for their clients. Thanks Helen, Sandra and team!

      Megan Fairhurst Avatar Megan Fairhurst
      October 23, 2023

      My son Anthony used Helen to get his mortgage. She went above and beyond at all times and kept him constantly informed throughout the process. She was polite and courteous at all times. I would definitely recommend her services…..thank you so much!

      Ann Avatar Ann
      October 23, 2023
    • HF Associates was realy helpful, they made the dealing stress free. Thank you.

      Dan Obeada Avatar Dan Obeada
      October 23, 2023

      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

      Laura was very professional, worked hard at getting us a low rate fixed mortgage beyond our expectations,Sandra was really helpful , when we had various problems went way beyond expectations Can’t thank them enough , Highly recommend

      Christina Disley Avatar Christina Disley
      October 23, 2023

    News & Insights

    4 days ago

    When Rachel missed her mortgage payment, she didn’t sleep properly for nearly two weeks. The letter from her lender ar...

    When Rachel missed her mortgage payment, she didn’t sleep properly for nearly two weeks. The letter from her lender arrived quickly. The worry arrived even faster. Like many home...

    3 weeks ago

    It’s a question many buyers ask themselves at the start of their property jour...

    It’s a question many buyers ask themselves at the start of their property journey – Do I need Mortgage Advice? With compar...