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

    • 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

      Couldn’t recommend this company enough! Especially Sam Robinson & Tiana McLoughlin. They were super helpful, quick and attentive! Couldn’t recommend them enough. Extremely professional and great at their job!

      Phoebe Turner Avatar Phoebe Turner
      April 29, 2026

      Kate Close and Tiana McLoughlin have both been absolutely fantastic helping us from start to finish with our first mortgage journey. Anybody looking to get a mortgage I highly, highly recommend speaking to Kate first as she provided us with help every step of the way and ensured we got... read more

      Andy Bonnar Avatar Andy Bonnar
      March 27, 2026
    • I bought my house and used Katie Greenwood as my advisor. The service was exceptional, and I would happily recommend her to anyone. Katie is very knowledgable and will happily go the extra mile.

      Craig halliday Avatar Craig halliday
      April 2, 2026

      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

      A very helpful team from day, one, HFA helped us through the credit checks and obtaining the best mortgage possible, through to getting the necessary insurance in place and the helping chase the vendors' solicitors and estate agent to get the process through. Very good value for money service..

      Stephen Clarke Avatar Stephen Clarke
      August 22, 2026
    • Our case was handled by Kate and Tiana — two brilliant people who made the whole experience a pleasure. We were thoroughly guided and kept informed at every stage of the process, which gave us complete confidence in our decision. We couldn't be happier that we chose them, and would not... read more

      Sarosh Tariq Avatar Sarosh Tariq
      March 18, 2026

      A massive thanks to Helen, Sandra and Co for all their help and advice. I would highly recommend them and will definitely be using them again!

      Natalie Edmonds Avatar Natalie Edmonds
      November 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

    News & Insights

    6 days ago

    For many buyers, particularly those purchasing for the first time, the deposit is one of the biggest parts of preparing ...

    For many buyers, particularly those purchasing for the first time, the deposit is one of the biggest parts of preparing for a mortgage. It is easy to focus on a single percentage, ...