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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We wasn't looking forward to the whole remortgaging process but Laura and Sandra made it easy and stress free from day one. From the convenient appointment times to the regular updates. We can't thank them enough. I would happily recommend there services to friends, family and colleagues without hesitation.
Daniel MarshHighly Recommend. Helen and the team made the process really easy and smooth for us
MattSmooth 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 CropperWhat a fantastic service HFA Mortgage & Protection provides. Communication and support throughout the process was excellent. 5 star from start to finish.
Kim BluckExcellent service again! Our remortgage was nice and smooth thanks to Helen and her team!
Christian ChesworthHelen and Sandra have been absolutely fantastic and have gone above and beyond to help us. Sandra is an absolute star and I would recommend her to anyone. Thank you ladies
Lisa FisherHelen is brilliant. She is our go-to mortgage advisor. She is always on hand to answer any questions and I fully trust her opinion. Sandra is also a wonderful support, deals with things very quickly and helps get things over the line. I would 100% recommend their service and I... read more
Amy RebeccaFantastic service from Jane Murphy. Helpful and informative from start to end. Great support all the way through.
J robinsonAbsolutely fantastic from start to finish. Laura found and secured us a great mortgage deal. Laura was there every step of the way, very efficient and responsive to messages. Also big thank you to Sandra for the updates through the process. Highly recommend 5* :) x
Gemma WilsonIs equity release for me? For years, Michael and Elaine lived carefully. Not recklessly or extravagantly. Just cautiousl...
Is equity release for me? For years, Michael and Elaine lived carefully. Not recklessly or extravagantly. Just cautiously. Like many retired couples, they watched every outgoing cl...
For many homeowners aged 55 and over, equity release begins with curiosity rathe...
For many homeowners aged 55 and over, equity release begins with curiosity rather than certainty. Often, it starts with a conversa...
My Equity Release Journey – Three years ago, Susan admits she barely recog...
My Equity Release Journey – Three years ago, Susan admits she barely recognised herself. At 63, life had become smaller than...
Are you thinking about later life planning in Ormskirk? For homeowners in our re...
Are you thinking about later life planning in Ormskirk? For homeowners in our region, retirement planning is changing. Longer life...
