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

    • I can't recommend Helen and her team highly enough. From start to finish they have managed the process, keeping us informed at every stage of our new mortgage and making us feel secure in what is a time of upheaval. Helen even negotiated a reduced rate as interest rates fluctuated,... read more

      Calum Macpherson Avatar Calum Macpherson
      January 23, 2024

      Helen and Sandra have been absolutely fantastic and have gone above and beyond to help us. Sandra is an absolute star and I would recommend her to anyone. Thank you ladies

      Lisa Fisher Avatar Lisa Fisher
      October 23, 2023

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

      Dan Obeada Avatar Dan Obeada
      October 23, 2023
    • I continue to use and to refer people to Helen at HF Associates for all mortgage issues. The team is a well drilled outfit, making it so easy and smooth. Give them a try.

      Jim Toohey Avatar Jim Toohey
      September 23, 2024

      A massive thanks to Helen, Sandra and Co for all their help and advice. I would highly recommend them and will definitely be using them again!

      Natalie Edmonds Avatar Natalie Edmonds
      November 23, 2023

      After 5 years of hell with divorce, business and health, and the recent problems we all suffer - It has been a pleasure to deal with Jane @ HF Associates. I heartily recommend if you need someone who will stop and talk in plain English. Moving house today... read more

      Shaun Ashton Avatar Shaun Ashton
      October 23, 2023
    • Helen and the team were amazing! Sandra was very attentive and quick to respond to any query I had. It was such a positive experience during a stressful time!! Thank you again for all your help!! Would highly recommend to anyone!!

      Eleanor Pritchard Avatar Eleanor Pritchard
      March 23, 2024

      Absolutely amazing team! Laura and Sandra were great through every step of the process. Buying my first home was daunting to say the least. They have made it the smoothes experience. Thank you soooo much

      Rosie shire Avatar Rosie shire
      November 23, 2023

      Had a seamless purchase of a property thanks to The advice and mortgage application process I recieved from Helen and followed thoroughly through to completion by case manager Sandra. Brilliant 👏 can't say anymore.

      Mike Foster-Bond Avatar Mike Foster-Bond
      January 23, 2024

    News & Insights

    2 days ago

    When people start thinking about a mortgage, one of the most common questions they ask is: “How do I get mortgage advi...

    When people start thinking about a mortgage, one of the most common questions they ask is: “How do I get mortgage advice that is actually right for me?” It’s a fair concern. ...