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HFA - Mortgage & Protection

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HFA - Mortgage & Protection

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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

14/10/2026

A mortgage with a lower interest rate can look like the obvious choice, but product fees can materially affect the overall cost.

For example, two products may have similar rates but very different arrangement fees.

The effect of that fee canalso vary depending on the size of the mortgage and the length of the initial deal.

When comparing options, it is useful to consider:

- The interest rate
- Product or arrangement fees
- Valuation and legal incentives
- The initial deal period
- Early Repayment Charges
- The total cost over the relevant period

The objective is not simply to find the lowest advertised rate. It is to identify a mortgage that is suitable for your circumstances and plans.

🛜 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.

13/10/2026

Business income does not always move in a straight line.

If you are self-employed and your latest trading year is stronger than the year before, the way a lender assesses that income can vary. Some may look at an average across multiple years, while others may take a different approach depending on your circumstances and the evidence available.

The structure of the business can also matter, including whether you operate as a sole trader, partnership or limited company.

This is why self-employed mortgage applications often benefit from being reviewed before a lender is selected.
If your business has changed or grown recently, HFA Mortgage & Protection can help you understand how different lenders may assess your position.

➡️🛜 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.

04/10/2026

How Much Deposit Do You Need To Buy A Home?

For many buyers, particularly those purchasing for the first time, the deposit is one of the biggest parts of preparing for a mortgage. It is easy to focus on a single percentage, but the amount you may need depends on the property, lender criteria, your financial circumstances and the mortgage products available when you apply.

What Is A Mortgage Deposit?

Your deposit is the part of the purchase price you provide yourself rather than borrowing through the mortgage. If you buy a property for £200,000 with a £20,000 deposit, you would need to borrow £180,000, subject to lender approval.

How Does Your Deposit Affect Loan-To-Value?
...read more in our latest article here: 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.

30/09/2026

Saving a deposit is a huge achievement, but buying a home can involve other costs too.  Depending on your purchase, you may also need to budget for:
 - Solicitor or conveyancing fees - Surveys - Mortgage-related fees - Moving costs - Insurance - Initial repairs, furniture or improvements - Any applicable property taxes  Planning for the wider cost of buying can help you avoid stretching your finances too tightly when completion day arrives.  If you are preparing to buy your first home, HFA Mortgage & Protection can help you understand the mortgage side of the journey.  🛜➡️ 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.

29/09/2026

If your mortgage deal is approaching its end, a good review starts with the right questions.  Ask yourself:
 1. When does my current deal end? 2. Are there any early repayment charges? 3. Has my income or household situation changed? 4. Do I need to borrow more, repay more or change the term? 5. What do I want my mortgage to look like over the next few years?  Remortgaging is not simply about replacing one rate with another. It is an opportunity to make sure your mortgage still fits your circumstances and future plans.  Start your review with HFA Mortgage & Protection - 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.

28/09/2026

Thank you to our friends at MBH Solicitors for inviting Helen & Sandra to join them at the Wigan Borough Business Awards on Saturday night 🏆🥂

We had a great time - a huge congratulations to all the businesses that were nominated and those that took away the prize on the night 👏

Well done to the guys at Professionals of Wigan and for organising a fabulous event and of course to Michelle Charnock Photographer for working wonders behind the lens as always!

27/09/2026

When was the last time you received valuable advice?

We write content every week covering all of the key questions around mortgage advice for first-time buyers, homeowners, home movers and property professionals.

If you’ve never looked through the HFA news articles before, perhaps there’s one or two tips you may not have known before.

🛜➡️ Read more here: 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.

25/09/2026

🏡 Something exciting is happening at HFA…

We’re very close to completing on our new home! 🎉

A new HFA Mortgage & Protection HQ is almost ours and we can’t wait to share more with you very soon.

It’s an exciting next chapter for HFA and we’ll be revealing our new location next week. 👀

Watch this space…

24/09/2026

Thinking about remortgaging, moving home or paying a large amount off your mortgage?  Before making a change, it is important to check whether your current deal includes an Early Repayment Charge, often called an ERC.  An ERC is a fee that may apply if you repay or move away from certain mortgage products during a specified period.  The amount and rules vary by lender and product, so understanding the terms of your current mortgage should be part of any review.  HFA Mortgage & Protection can help you look at the wider costs and options before you make a decision.  🛜➡️ 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.

23/09/2026

Your mortgage may have been arranged for the life you had several years ago. Since then, plenty may have changed.  Perhaps you have:
 - Changed jobs - Become self-employed - Had children - Increased your income - Built more equity - Started planning retirement - Decided to move or improve your home  A mortgage review can help you understand whether your current arrangements still support where you are heading next.  You do not necessarily need to wait until you move house to think about your mortgage. Reviewing it at the right time can help you make more informed decisions about your future.  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.

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

http://www.hfassociates.uk/

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