Laura Lowe - HFA Mortgages & Protection

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Laura Lowe - HFA Mortgages & Protection

a. b. Limited Company Details: Helen Ferneyhough Associates Ltd are registered in England and Wales. Registered No. 15755700. d. e.

AR Disclosure: Helen Ferneyhough Associates Ltd, trading as Helen Ferneyhough Associates, are an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: Douglas Bank House, Wigan Lane, Wigan, Lancashire, United Kingdom, WN1 2TB
c. Risk Warning: The Financial Conduct Authority does not regulate some forms of Buy to

Lets. Your home/property may be repossessed if you do not keep up repayments on your mortgage. Broker Fee Disclosure: There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £1500 and this will be discussed and agreed with you at the earliest opportunity. -As the fee is quite varied, to make this clearer we could apply the relevant broker fee disclosure to the product being discussed, as an alternative to the standard disclosure. Jurisdictional Statement: The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

01/06/2026

It’s Monday, it’s raining and I had a little James Lowe up 12am-4am last night. ☔️ 😴

LOTS OF COFFEE TODAY ☕️ ☕️ ☕️

Working from home today to get 4 applications submitted for my clients; one homemover who has sold their first home and is buying a forever family home, one remortgage for a client who was worried about rate increases but was delighted to find their payment has increased by £20 per month rather than the £100+ they were expecting. I’ve got a help to buy remortgage to pay off an equity loan and finally a first time buyer who’s had their offer accepted on their first home. 🏡🏡🏡🏡

It’s still very busy in Mortgage Land and I was absolutely over the moon to receive these flowers and card (with a photo bomb from my office manager for today 😅) from my clients. 🫶🏼🩷

29/05/2026

FRIDAY COMPLETION DAY 🥳

I absolutely love getting completion day photos but this one’s a little extra special ✨

It has been a pleasure helping these two who have been working with me for the last 12 months to get ready to buy their first home. They’ve worked so hard to save up their deposit and today they get their keys to their first home! I could not be prouder - the best part of the job is getting that mortgage offer issued and seeing the absolute joy from clients when they get their keys! 🔑 🏡

A huge congratulations to you both 🩷🩷🩷

26/05/2026

A few days away filling up that sensory cup for the boys.
I find half terms hard work, trying to keep James regulated and also keeping Jacob entertained - it’s much easier being in Mortgageland! 🙈

I have got my laptop and phone with me ✨🩷

☀️☀️☀️☀️

17/05/2026

A lovely afternoon at .uk with 🏗️💛🖤

Back to Mortgage Land tomorrow ready for a busy week of appointments with new clients looking to see what their options are and clients with offers accepted on properties over the weekend ✨🫶🏼🏡

12/05/2026

🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨

Another high street lender to join team “LOW OR NO DEPOSIT”!

🙌🏻🙌🏻🙌🏻

Very excited to add yet another lender into the options for those clients who are looking to get on the property ladder with low deposit options.

I’m so proud to say I have personally recommended and applied for 100% mortgages for clients who are renting and have struggled to save a deposit as well as clients with £5000 deposit available.

Some of these schemes coming through are incredible in what can be a very tough housing ladder to join for first time buyers at the moment.

This new product however, has a few key points and only 1 person has to be a first time buyer not both! 👏🏻👏🏻

If you want to see what your options are, drop me a DM, message on WhatsApp or see below 👇🏻

📞 07521790037
💌 [email protected]

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £695, and this will be discussed and agreed with you at the earliest opportunity.
Your home may be repossessed if you do not keep up repayments on your mortgage.

11/05/2026

I had a wonderful Sunday morning yesterday running the Aintree 5K with some incredible parents from ✨🫶🏼

What a beautiful group of humans raising £6,000 for this fantastic place to enhance the facilities that they currently offer. 💜🩵🩷

Back to Mortgage Land this week with yet another super busy week. I can’t believe we’re mid May because it’s been manic since January 🙈🙈

Hope everyone has a wonderful week this week 🙌🏻🙌🏻

14/04/2026

CORNWALL 🌊💙

I’m still in Cornwall until next week but had 2 applications submitted today and a completion of a very special home for my lovely clients after a stressy week! But we are there in the end! 🫶🏼✨

13/04/2026

I’m in Cornwall this week with the Lowe boys but I have still got my laptop and phone with a few teams calls booked in. ☀️ ☀️ ☀️

27/03/2026

2026 ✨

Very lucky to be able to attend the MOBO awards last night with ! Was incredible to see perform live and win 3 awards! 🥹 what an absolutely wonderful evening! 🩷

Back to reality today with cases to submit! Happy Friday everyone have a lovely weekend! 🫶🏼

17/03/2026

✨ 100% MORTGAGE COMPLETED ✨

I’m so excited to announce that one of my completions last week was one of the Track Record 100% loan Mortgages! For my client who had been renting for years, could quite easily maintain and manage their bills but was struggling to save a deposit. I got them approved on a 100% LTV mortgage meaning they needed £0 deposit!

Even better, the product came with £1000 cashback for solicitors fees 🙌🏻

✅ No deposit
✅ £1000 cashback
✅ Free basic valuation

I’m beyond delighted for my client and wish them all the happiness in their new home! 🏡

Want to see if it can help you?
Get in touch ⬇️⬇️⬇️

📞 07521790037
📧 [email protected]
📱 DM

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £695, and this will be discussed and agreed with you at the earliest opportunity.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

First Floor, 21 Great George Street
Wigan
WN34DL

Telephone

+447521790037

Website

http://www.HFassociates.uk/

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