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

    • HF Associates provided expert insight and support throughout the whole sale and purchase process giving us guidance and options with a positive approach. A massive thank you from my family as HF played a major part in securing our perfect home. Highly recommended 👏

      Craig Kaye Avatar Craig Kaye
      October 23, 2023

      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

      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
    • Helen is brilliant. She is our go-to mortgage advisor. She is always on hand to answer any questions and I fully trust her opinion. Sandra is also a wonderful support, deals with things very quickly and helps get things over the line. I would 100% recommend their service and I... read more

      Amy Rebecca Avatar Amy Rebecca
      April 23, 2024

      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

      Brilliant service from the team - especially Helen who is very helpful and always available when needed! Would highly recommend :)

      Jo Toner Avatar Jo Toner
      December 23, 2023
    • 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

      Cannot THANK / Recommend Laura and Sandra enough. Laura worked tirelessly to secure the best mortgage rate for us and was on hand around the clock to answer / help with any of our mortgage related needs during what was a turbulent time in the housing market.

      Justin Smith Avatar Justin Smith
      October 23, 2023

      Fabulous company to use, I can definitely recommend! Thank you KATIE for your dedication and commitment from Day 1, you were in it with us all the way pushing forward proactively and consistently to make sure Josh got his chosen first home. We appreciate your reliability and skills. Thanks LAILA... read more

      Gina Holt Avatar Gina Holt
      April 19, 2026

    News & Insights