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!

Rated by 140+ Reviews

    Speak to an Adviser

    By submitting your details you have confirmed that you have read and understood our Privacy Policy

    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

    Stay up to date with our socials

    Our Quick & Easy Mortgage Calculator

    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

    • Great, professional & friendly service throughout. Being first time buyers, the whole process can be daunting but Sandra, Cheryl & their team made everything so straightforward from start to finish & remained in constant contact throughout even when there wasn’t much of an update to give which puts your mind... read more

      Liam Dodson Avatar Liam Dodson
      July 22, 2026

      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

      Kate was fab at supporting us through getting our first home. Kate is a joy & has fantastic people skills. We have enjoyed every interaction with Kate who took a lot of stress off us and gave us excellent realistic advice. Thank you Kate, we look forward to working with... read more

      Raeesah Kaduji Avatar Raeesah Kaduji
      April 28, 2026
    • Amazing team and service, did everything for us to get out mortgage sorted - Laura Lowe is amazing and will only ever use her going forward. Laila Dann was also unbelievably helpful and saved us so much stress and worry! Thank you all so much!

      Danny Latham Avatar Danny Latham
      July 16, 2026

      I continue to use and to refer people to Helen at HF Associates for all mortgage issues. The team is a well drilled outfit, making it so easy and smooth. Give them a try.

      Jim Toohey Avatar Jim Toohey
      September 23, 2024

      Helen and Sandra have been really supportive and helpful throughout the whole process. It was a lovely gesture to receive a card in the post at my new home. Definitely recommend their services.

      media thumbnail 0media thumbnail 1
      Natalie Gaskell Avatar Natalie Gaskell
      November 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

      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

      I cannot recommend Helen Ferneyhough Associates enough! Both Amy Taylor and Tiana McLoughlin were absolutely incredible throughout my entire home-buying journey. Amy made the initial mortgage process clear and stress-free for my first purchase, while Tiana provided fantastic support leading right up to completion. Their communication was seamless, professional, and... read more

      Manuela Gamalie Avatar Manuela Gamalie
      July 14, 2026

    News & Insights