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

    • The support that we received absolutely superseded every expectation that we had. From the very start Katie explained everything to us so thoroughly and no question was too silly. There was no pressure from the start and she explained everything option to us with a superb knowledge of the market. Katie... read more

      mollie kenyon-kellett Avatar mollie kenyon-kellett
      June 8, 2026

      I can't thank Helen and the team at HF Associates enough for all their help and guidance with purchasing my new home. As a first time buyer they made me feel at ease and were always at the end of the phone if I needed anything. Special thanks to Sandra... read more

      Carmen Barrett Avatar Carmen Barrett
      October 23, 2023

      Would highly recommend them just had our mortgage changed over, they kept us informed at each stage, worked in our best interest at all times, they took all the pressure of us and were always on hand when we needed them, would definitely use them again.

      julie robinson Avatar julie robinson
      November 23, 2023
    • 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

      Helen and her team dealt with everything very efficiently and made the whole process hassle free. I can't recommend them enough.

      Chris Lawson Avatar Chris Lawson
      March 26, 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
    • Can’t praise Jane and her team enough, all went above and beyond to help with my remortgage. Explained everything step by step and took ownership of the whole process. Really appreciate the support and time spent, thank you! Would highly recommend

      Brian Jopson Avatar Brian Jopson
      May 23, 2024

      Very professional mortgage broker, staff are very friendly and welcoming, Michael our advisor was personable, thorough and explained everything in an understandable way with no waffle, he was extremely professional but was also helpful and did things in a timely manner. Very highly recommended

      trish gibney Avatar trish gibney
      February 23, 2024

      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

    News & Insights

    4 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 ...