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.
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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

When you apply for a mortgage, affordability is about much more than simply multiplying your salary by a set number. Len...
01/09/2026

When you apply for a mortgage, affordability is about much more than simply multiplying your salary by a set number.

Lenders look at your wider financial picture to understand whether the mortgage is sustainable for you.

This can include:

- Your income and employment
- Regular household spending
- Existing loans, credit cards and finance
- Dependants and childcare costs
- The size of your deposit
- The term of the mortgage

Two people earning the same salary can therefore receive very different borrowing outcomes.

Before setting your property budget, it can be useful to understand how lenders may view your circumstances.

HFA Mortgage & Protection can help you explore your position before you start making offers.

🛜➡️ Understand 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.

🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨Due to continued growth, we’re looking for an additional case manager to join Team HFA.The role will be 25 ...
01/09/2026

🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨

Due to continued growth, we’re looking for an additional case manager to join Team HFA.

The role will be 25 hours a week spread Monday - Friday based at HFA HQ. These hours can be managed around school hours too - perfect as the kids head back to school this week.

There’s a clear path to complete your CeMAP exams and train to be a mortgage advisor within our experienced team.

To apply please send your CV to [email protected]

What is mortgage affordability? 🤷‍♂️When people begin planning a home purchase, one of the first questions is usually: h...
30/08/2026

What is mortgage affordability? 🤷‍♂️

When people begin planning a home purchase, one of the first questions is usually: how much can I borrow? It is tempting to expect a simple answer based on salary alone, but mortgage affordability is more detailed than that.

Lenders want to understand whether the borrowing is sustainable, both now and over the life of the mortgage. That means looking at income alongside regular commitments, household circumstances and the size of the proposed loan.

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



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.

When arranging a mortgage, one of the most common questions is whether a fixed rate or tracker mortgage is the better op...
27/08/2026

When arranging a mortgage, one of the most common questions is whether a fixed rate or tracker mortgage is the better option. Both have advantages depending on your individual circumstances.

A fixed rate offers:

– Certainty over your monthly repayments
– Protection against interest rate increases
– Easier budgeting

A tracker mortgage may:

– Move up or down with interest rates
– Offer greater flexibility in certain situations
– Be suitable depending on your plans and attitude to risk

There’s no one-size-fits-all answer.

Choosing the right mortgage starts with understanding your circumstances and future plans.

Speak to HFA Mortgage & Protection for personalised mortgage advice.

🛜➡️ 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.

For many homeowners, buying their first property was just the beginning. As careers develop, families grow and lifestyle...
26/08/2026

For many homeowners, buying their first property was just the beginning.

As careers develop, families grow and lifestyles change, it’s natural to start thinking about whether your current home still meets your needs.

Before making a move, it can help to understand:

– How much equity you have built up
– Whether you could borrow more
– What your monthly payments may look like
– Whether moving now supports your long-term plans

Whether you’re looking for more space, a different location or your forever home, understanding your mortgage options is an important first step.

HFA Mortgage & Protection can help you make informed decisions about your next move.

🛜➡️ Find out more – 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.

Whether you’re purchasing your second investment property or looking to grow an established portfolio, having the right ...
25/08/2026

Whether you’re purchasing your second investment property or looking to grow an established portfolio, having the right mortgage strategy can make a significant difference. Things to consider include:

– Using equity from an existing property
– Refinancing to release capital
– Understanding affordability calculations
– Choosing the right mortgage product
– Planning for future purchases

Every property investor’s goals are different, so taking advice before making your next move can help you plan with confidence. If you’re thinking about expanding your property portfolio, HFA Mortgage & Protection can help you explore the options available.

🛜➡️ Learn more – 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.

The FCA does not regulate some forms of Buy to Lets

Is Your Fixed Rate Mortgage Ending Soon? Here’s Why You Shouldn’t Leave It Too LateFor many homeowners, a fixed rate mor...
23/08/2026

Is Your Fixed Rate Mortgage Ending Soon? Here’s Why You Shouldn’t Leave It Too Late

For many homeowners, a fixed rate mortgage provides peace of mind by keeping monthly repayments predictable for a set period. However, when that deal is approaching its end, it’s important to start planning ahead.

Leaving things until the last minute could reduce the time available to review your options and make an informed decision. If your fixed rate is due to expire within the next few months, now could be the ideal time to start thinking about what’s next.

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

It’s one of the questions we’re asked most often…“Should I wait for house prices to come down?” The truth is that nobody...
20/08/2026

It’s one of the questions we’re asked most often…“Should I wait for house prices to come down?”

The truth is that nobody can predict exactly what the property market will do. Trying to time the market perfectly can sometimes mean missing opportunities that are right for you today.

Instead of focusing purely on house prices, it can help to consider:

– Can you comfortably afford the repayments?
– Have you found the right property?
– Does buying now fit your long-term plans?
– Are current mortgage products suitable for your circumstances?

Buying a home should be based on your own financial position rather than trying to predict the market.

If you’d like to understand your options, HFA Mortgage & Protection is here to help.

🛜➡️✅ 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.

Life rarely stands still. The mortgage that suited you ten years ago may no longer be the right solution today. Perhaps ...
19/08/2026

Life rarely stands still. The mortgage that suited you ten years ago may no longer be the right solution today. Perhaps your family has grown, your career has changed or you’re thinking about moving to your forever home. Reviewing your mortgage isn’t just about securing a new interest rate. It’s about making sure your mortgage still supports your long-term goals.

It may be worth considering:

– Whether your current home still meets your needs
– If moving up the property ladder is achievable
– Whether additional borrowing could support your next move
– How your mortgage fits with your future financial plans

Whether you’re in your 40s, 50s or simply planning your next chapter, HFA Mortgage & Protection can help you explore your options.

🛜➡️ Learn more – 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.

For many first-time buyers, finding the right balance between affordability, lifestyle and commuting is becoming increas...
18/08/2026

For many first-time buyers, finding the right balance between affordability, lifestyle and commuting is becoming increasingly important.

Wigan continues to be one of the North West’s most popular locations for buyers looking to get onto the property ladder thanks to its:

– Excellent rail links to Manchester and Liverpool
– Easy access to the M6 and M58
– Good transport connections to Warrington and Chester
– Wide range of property types
– Excellent value compared with many neighbouring areas

It’s easy to see why so many first-time buyers are choosing Wigan as the place to call home.

If you’re looking to buy in Wigan or the surrounding areas, HFA Mortgage & Protection can help you understand your mortgage options before you begin your search.

🛜➡️ Find out more – 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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