Book a no-obligation consultation with HFA Later Life today. Specialists in Lifetime Mortgages and Equity Release!
At HFA Later Life, we help homeowners aged 55 and over make the most of their retirement with expert advice on lifetime mortgages and equity release solutions. Based in Wigan and serving communities across the North West and beyond, our friendly team of qualified advisers operates locally in areas including Liverpool, Preston, Southport, Ormskirk, St Helens, Leigh, Warrington, Manchester, Doncaster, Rotherham, and Cheshire.
Whether you’re looking to supplement your retirement income, make home improvements, support family, or simply enjoy more financial freedom, equity release could be a suitable option.
More About Us
Equity release allows you to access some of the wealth tied up in your home without the need to move. It’s a way of turning property value into a cash lump sum, smaller payments, or both - all tax-free. The most common form of equity release is a lifetime mortgage, which enable...
A lifetime mortgage is a type of equity release designed for homeowners aged 55 and over. It is a long-term loan secured against your property, with no need to make monthly repayments unless you choose to. The loan, plus any interest, is repaid when the last borrower dies or move...
We offer face-to-face and remote consultations, so whether you prefer a meeting in the comfort of your home or a virtual appointment, we’re here to make the process straightforward and stress-free.
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I have used Helen’s services twice now and each time she has got me the best deal. I wouldn’t go anywhere else they always go above and beyond for their clients. Thanks Helen, Sandra and team!
Megan FairhurstI can't thank Helen and the team at HF Associates enough for all their help and guidance with purchasing my new home. As a first time buyer they made me feel at ease and were always at the end of the phone if I needed anything. Special thanks to Sandra... read more
Carmen BarrettHelen and Sandra, helped me and my partner buy our first house and also remortgage. Both times they were absolutely fantastic, give the best and realistic advice. Sandra always kept us up to date with where things were up to and chased the solicitors constant to help things run and... read more
Courtney LloydSmooth and efficient service from the start to the completion of my mortgage. Sandra was most helpful in dealing with any queries that we had.
Charles CropperAbsolutely 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 shireWhat a fantastic service HFA Mortgage & Protection provides. Communication and support throughout the process was excellent. 5 star from start to finish.
Kim BluckWas referred by a friend and was worth every penny. Helen made it very clear and laid out all possibilities to us. She saved us money by keeping on top of market changes will allowed us to get us a cheaper rate. Her team member Sandra was also fantastic throughout... read more
Stephen DarwinThanks to Lindsay & Helen, for such a smooth process on our remortgage, kept up to date on everything threw the process, nothing was to much trouble, would highly recommend Thanks Again
Scott LeekMy son Anthony used Helen to get his mortgage. She went above and beyond at all times and kept him constantly informed throughout the process. She was polite and courteous at all times. I would definitely recommend her services…..thank you so much!
AnnFor Philip and June, Christmas had always been magical. The tree, the lights, the cosy evenings. However most of all, th...
For Philip and June, Christmas had always been magical. The tree, the lights, the cosy evenings. However most of all, the traditions they’d created with their children. Ever sinc...
For Barry and Gaynor, Christmas has always been a time filled with warmth, famil...
For Barry and Gaynor, Christmas has always been a time filled with warmth, family phone calls and familiar traditions but this yea...
Many people still picture equity release as a single lump sum with interest comp...
Many people still picture equity release as a single lump sum with interest compounding in the background. Modern Lifetime Mortgag...
A lifetime mortgage can help you move closer to family in later life. When Jeanâ...
A lifetime mortgage can help you move closer to family in later life. When Jean’s first grandchild arrived, “just popping roun...
