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

      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
    • Laura and Laila have been fantastic supporting our mortgage and home moving process. Huge thank you for all your help.

      Jordan Brown Avatar Jordan Brown
      June 16, 2026

      Helen is truly the standard to how all other mortgage advisors should be. Her communication is timely and to the point, she will tell you the facts of the matter and not lead you down the garden path. If it can be done, Helen is the one who will be... read more

      Frank Francis Avatar Frank Francis
      October 23, 2023

      Amy and Tiana were absolutely amazing through our mortgage and house journey. They made everything so stress-free and easy to manage. Constant communication throughout and always there if we needed anything. Would highly recommend and will always choose HFA.

      Brad Priest Avatar Brad Priest
      July 29, 2026
    • I can't recommend enough. Kate went above and beyond for us and helped us through a difficult period getting our adverse mortgage offer, even calling to update me one evening whilst helping her own parents move house! She made the process so much easier for us. Laila was brilliant also... read more

      Laura J. Harris Avatar Laura J. Harris
      April 10, 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

      We have just had our mortgage accepted on our first home and can’t recommend Helen and the team enough! I think it only took just over 3 weeks in total from the first initial chat to getting our final offer which I never expected as a business owner was possible.... read more

      Emily Campbell Avatar Emily Campbell
      February 23, 2024

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