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

      The support that we received absolutely superseded every expectation that we had.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

      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
    • Thanks to Lindsay & Helen, for such a smooth process on our remortgage, kept up to date on everything threw the process, nothing was to much trouble, would highly recommend Thanks Again

      Scott Leek Avatar Scott Leek
      November 23, 2023

      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

      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
    • 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

      We first used Mike two years ago when arranging our first mortgage, and we've just used him again for our remortgage this year. On both occasions, the service has been outstanding. Mike took care of everything for us and made the whole process straightforward and stress-free. Any questions we had were... read more

      Kieran Garbett Avatar Kieran Garbett
      June 8, 2026

      I used Jane and Sandra for my mortgage and insurance. They made the whole process easy and completely stress free! Highly recommend!

      Stacey Whittaker Avatar Stacey Whittaker
      April 15, 2026

    News & Insights

    5 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,...