About Us

About Us

Helen Ferneyhough Associates provides expert mortgage, protection, and insurance advice. Helen Ferneyhough Associates is a trading name of Just Mortgages Direct Limited, and Helen Ferneyhough Associates is the name under which our mortgage advisers carry out these services.

Helen Ferneyhough Associates is not a business in its own right; it is part of Just Mortgages Direct Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited. Just Mortgages Direct Limited was set up in 1989 and has been part of the Openwork Partnership since 2016. The Openwork Partnership is one of the UK’s largest financial advice networks, with over 4,500 advisers and in excess of 700 appointed representatives based throughout the UK. 

Our mortgage advisers at Helen Ferneyhough Associates will get to know your individual circumstances, establish what your goals are, and determine what the right mortgage and protection arrangements are for you.

mortgage advice

Why Choose Helen Ferneyhough Associates as Your Mortgage Adviser?

Reliable Mortgage Advice for a Secure Future from a Trusted Mortgage Adviser

At Helen Ferneyhough Associates, we pride ourselves on providing reliable and comprehensive mortgage advice. We’re more than just a mortgage broker; we’re your trusted partner for commercial mortgage advice, equity release, and more.

The Right Mortgage Deals and Unmatched Service

We specialise in helping you find the right mortgage deals that suit your individual circumstances. Our mortgage advisers are committed to understanding your specific needs, whether you are a first-time home buyer or looking into remortgaging options.

Your one-stop shop for financial security

We don’t just offer expert mortgage advice. Our mortgage advisers also provide tailored income protection insurance solutions, making us a one-stop-shop for your financial security needs.

What sets Helen Ferneyhough Associates apart as your mortgage adviser?

Personalised residential and commercial mortgage advice

Every client’s financial journey is unique. That’s why we offer personalised guidance on residential mortgages as well as commercial funding solutions. Your dedicated mortgage adviser will guide you through the maze of options to find the best fit for you.

Real-Time Mortgage Comparison Tools

Our mortgage advisers have access to cutting-edge mortgage comparison tools, allowing us to scan the market in real time. Whether you are looking to invest in a commercial venture or are a first-time home buyer, we find the most competitive rates for you.

Equity Release and Remortgaging Expertise

Thinking about unlocking the value of your home or changing your existing mortgage? We offer expert advice on equity release and remortgaging options, ensuring you make the decision that best serves your long-term goals.

Trust and Transparency in Income Protection Insurance

We believe that a sound financial plan includes protecting your most valuable asset—your income. Our income protection insurance plans are chosen with your best interests in mind, and we always maintain complete transparency in all our dealings.

Don’t leave your financial future to chance; speak to a trusted mortgage adviser at Helen Ferneyhough Associates today for personalised guidance on securing the right mortgage and protection plans for you.


Commercial Lending and most Buy to Let mortgages are not regulated by the Financial Conduct Authority.

A lifetime mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release.

The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing.

Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries, as a Lifetime Mortgage could have an impact on any potential inheritance. We would also encourage you to invite them to join any meetings with your Financial Adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead. This is a referral service.

Home mortgage
residential mortgages
equity release
commercial mortage

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