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

    • What a fantastic service HFA Mortgage & Protection provides. Communication and support throughout the process was excellent. 5 star from start to finish.

      Kim Bluck Avatar Kim Bluck
      August 23, 2024

      The service provided by HFA - Mortgage & Protection was exceptional. Jane was very helpful and explained what was expected at every stage of the process, she also helped us get the best rate in the market at the time of application. Sandra always checked in and followed up with... read more

      Tobi Banjoko Avatar Tobi Banjoko
      September 2, 2026

      Excellent service from Chris, Sandra and the team, the communication and support was second to none and the team were patient despite a number of issues along the way

      Daniel Price Avatar Daniel Price
      September 8, 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

      Helen and her team were absolutely amazing. After being completely let down by other mortgage brokers for over a year she got us a re-mortgage deal within a day! We were always kept up-to-date with the progress and it was all done and dusted in about 6 weeks! I can... read more

      Daniel Meyer-Lopez Avatar Daniel Meyer-Lopez
      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
    • Thanks so much again especially to Helen, Sandra & Angela for making our re mortgage stress free again, we literally couldn’t go anywhere else or trust anyone else. The best of the best. Thanks so much guys😊

      Charlotte Atkin Avatar Charlotte Atkin
      July 1, 2026

      Would not hesitate to recommend HFA - Mortgage & Protection. As first time buyers, they have been absolutely AMAZING by providing support and guidance throughout the entire process (not just at the mortgage application stage). The team are so approachable and there is no such thing as a stupid question.... read more

      Maisie McLaughlin Avatar Maisie McLaughlin
      April 21, 2026

      HF Associates was realy helpful, they made the dealing stress free. Thank you.

      Dan Obeada Avatar Dan Obeada
      October 23, 2023

    News & Insights

    2 days ago

    A mortgage deal ending may feel like a date to deal with later, but starting your review in advance can give you more ti...

    A mortgage deal ending may feel like a date to deal with later, but starting your review in advance can give you more time to understand the choices available. Remortgaging is not ...