HFA - Mortgage & Protection

HFA - Mortgage & Protection Mortgage Brokers Helen Ferneyhough Associates Ltd are registered in England and Wales. Registered No. 15755700. There may be a fee for mortgage advice.

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

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. 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. 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

One of the biggest misconceptions around buying your first home is believing you need a huge deposit to get started. In ...
02/06/2026

One of the biggest misconceptions around buying your first home is believing you need a huge deposit to get started.

In reality, some lenders may accept lower deposits than many buyers expect.

Understanding what may be possible for your circumstances can help you:

– Set realistic savings goals
– Understand your buying position sooner
– Start planning with confidence

The sooner you understand your options, the sooner you can start moving forward.

🛜 Explore your options – https://hfassociates.uk



Disclaimer:
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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

“I Felt Like I Was Stuck With an Expensive Mortgage Forever”Louise described it as “that sinking feeling you can’t shake...
31/05/2026

“I Felt Like I Was Stuck With an Expensive Mortgage Forever”

Louise described it as “that sinking feeling you can’t shake.”. You know the one…When something’s gone wrong financially, and no matter what you do next, it feels like you’re always going to be playing catch-up.

That’s exactly where Louise and Steve found themselves.

When Life Throws You Off Course

Just a few months earlier, everything had been ticking along as normal. Two incomes. Bills covered. Mortgage paid. Life steady. Then Steve lost his job. Not planned. Not expected. Just one of those moments that knocks everything sideways.

Read more in our latest article here: https://hfassociates.uk

29/05/2026

Be ready when it matters 🏡

Found a house you love? Here’s what to do next ➡️

Before making an offer, make sure your mortgage agreement is in place and your finances are ready. This puts you in a
stronger position with sellers.

Being prepared can make all the difference.

Find out more at https://hfassociates.uk 🛜



Disclaimer:
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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

As we move towards summer, many buyers and homeowners are preparing for purchases, moves and remortgages.Those who plan ...
28/05/2026

As we move towards summer, many buyers and homeowners are preparing for purchases, moves and remortgages.

Those who plan early often benefit from clearer financial positioning, faster decision-making and smoother transactions ✅🏡

Understanding your options now can put you in a stronger position in the months ahead.

➡️🛜 Start the conversation – https://hfassociates.uk



Disclaimer:
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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Many buyers go straight to their bank for a mortgage, but that’s only one option. Different lenders offer different prod...
27/05/2026

Many buyers go straight to their bank for a mortgage, but that’s only one option.

Different lenders offer different products, criteria and rates. Exploring a wider range of options can help you find something more suitable for your circumstances.

It pays to look at the full market ✅

🛜➡️ See what’s available – https://hfassociates.uk



Disclaimer:
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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Affordability is about more than just income.Lenders will also consider:
– Outgoings and commitments
– Credit history
– ...
26/05/2026

Affordability is about more than just income.

Lenders will also consider:

– Outgoings and commitments
– Credit history
– Deposit size

Understanding this early helps you plan realistically and move forward with confidence.

Clarity now avoids surprises later.

➡️🛜 Check your affordability – https://hfassociates.uk

Finance

Disclaimer:
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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Did you know buying a home in Wigan could be a really smart move? For many first-time buyers, affordability is one of th...
24/05/2026

Did you know buying a home in Wigan could be a really smart move? For many first-time buyers, affordability is one of the biggest barriers to getting onto the property ladder. This is where Wigan stands out as a strong option.

Located in the heart of the North West, Wigan offers a combination of affordability, connectivity and lifestyle that makes it particularly appealing to younger buyers.

Wigan - A Strategic Location in Property

Read more in our latest article here: https://hfassociates.uk

22/05/2026

What happens if you do nothing when your mortgage deal ends?

In most cases, you’ll move onto your lender’s standard variable rate, which is often higher. Reviewing your options early
gives you time to secure a new deal.

A simple check now could save you money later.

Don’t drift onto a higher rate - https://hfassociates.uk

Disclaimer:
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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈Wishing our wonderful Case Manager Tiana a very happy 18th birthday! She's off celebrating in the Spa...
22/05/2026

🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈🎈

Wishing our wonderful Case Manager Tiana a very happy 18th birthday!

She's off celebrating in the Spanish sunshine ☀️ we hope she has the best day!

You’ve found the perfect home… what next? 🏡👏Before making an offer:
– Ensure your mortgage agreement is in place
– Confi...
21/05/2026

You’ve found the perfect home… what next? 🏡👏

Before making an offer:

– Ensure your mortgage agreement is in place
– Confirm your budget and deposit
– Be ready to move quickly

Preparation puts you in a stronger position when it matters most.

Confidence comes from being ready.

➡️🛜 Get prepared – https://hfassociates.uk



Disclaimer:
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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

FIRST FLOOR, 21 Great George Street
Wigan
WN34DL

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+447771529969

Website

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