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 ladies at HFA provided an excellent service during our move this year. Amy, Tiana and Angela were very helpful, attentive, friendly and professional..organising a competitive mortgage, sorting out insurance cover and even chasing solicitors when things went quiet. Thanks very much, highly recommended 😀

      Ste Morton Avatar Ste Morton
      July 31, 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

      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
    • 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

      Excellent service again! Our remortgage was nice and smooth thanks to Helen and her team!

      Christian Chesworth Avatar Christian Chesworth
      October 23, 2023

      Jayne and Tiana were so helpful, i couldn’t have asked for more. I would highly recommend!

      Beth starkie Avatar Beth starkie
      September 8, 2026
    • I highly recommend this service. Lindsay has been exceptional from the very beginning. We experienced some extended waiting periods due to the property being a Right to Buy, but she remained incredibly patient and supportive throughout the entire process. She consistently checked in with us, offered assistance, and diligently followed... read more

      Cesarina Jeffries Avatar Cesarina Jeffries
      June 3, 2026

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

      Dan Obeada Avatar Dan Obeada
      October 23, 2023

      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

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