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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    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

    • Laura was very professional, worked hard at getting us a low rate fixed mortgage beyond our expectations,Sandra was really helpful , when we had various problems went way beyond expectations Can’t thank them enough , Highly recommend

      Christina Disley Avatar Christina Disley
      October 23, 2023

      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

      We have recently just bought our first home and without Kate Close we would have been lost. What an absolute gem Kate is, from our very first zoom call to the end of a very long process (due to the legals aspect) Kate has been there all the way and... read more

      Antonia Brierley Avatar Antonia Brierley
      May 12, 2026
    • Quality service from start to finish.

      Stephen Oakley Avatar Stephen Oakley
      April 2, 2026

      Helen and Sandra helped us from start to finish purchasing our first home, flawless help and would recommend without a doubt.

      Matt Nicholson Avatar Matt Nicholson
      July 2, 2026

      We highly recommend HFA. We recently needed to set up a new fixed mortgage deal, as our current one was coming to an end. We received excellent and very efficient service, from both Jayne Richardson and Tiana McLoughlin.

      Julie Cromwell Avatar Julie Cromwell
      August 9, 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

      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 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.

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      Natalie Gaskell Avatar Natalie Gaskell
      November 23, 2023

    News & Insights

    2 days ago

    Having an offer accepted is one of the most exciting points in buying a home. It is also the stage when several processe...

    Having an offer accepted is one of the most exciting points in buying a home. It is also the stage when several processes begin to move at the same time. Your mortgage application,...