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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    What Our Clients Say

    • I would highly recommend Helen Ferneyhough Associates. The whole team has been professional, helpful and supportive throughout the process of buying my home, and I am very grateful to everyone who helped along the way. A very special thank you has to go to Kate Close, my mortgage adviser. Kate has... read more

      Antonella Di Cicco Avatar Antonella Di Cicco
      September 6, 2026

      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

      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
    • 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

      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

      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
    • Had a seamless purchase of a property thanks to The advice and mortgage application process I recieved from Helen and followed thoroughly through to completion by case manager Sandra. Brilliant 👏 can't say anymore.

      Mike Foster-Bond Avatar Mike Foster-Bond
      January 23, 2024

      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

      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

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