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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Laura was very professional, worked hard at getting us a low rate fixed mortgage beyond our expectations,Sandra was really helpful , when we had various problems went way beyond expectations Can’t thank them enough , Highly recommend
Christina DisleyWe are so grateful to Helen and her team for helping us throughout the whole process. From our very first meeting we were put at ease and every step of the process was clearly explained and supported. Nothing was ever too much trouble! Helen and her team made the mortgage... read more
helen guestMy 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!
AnnCouldn’t fault the great level of support and help I received throughout my mortgage process I would highly recommend this company .
Helen BeardHelen and the team were absolutely fantastic arranging the best mortgage for me during a difficult financial climate. I would highly recommend.
Hollie LockleyWas 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 DarwinAbsolutely 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 WilsonI continue to use and to refer people to Helen at HF Associates for all mortgage issues. The team is a well drilled outfit, making it so easy and smooth. Give them a try.
Jim TooheyHelen 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 RebeccaOne of the most common questions people ask when first exploring equity release is whether a Lifetime Mortgage creates a...
One of the most common questions people ask when first exploring equity release is whether a Lifetime Mortgage creates another monthly bill. For many homeowners approaching or alre...
Reasons People Choose Equity Release. Equity release is often surrounded by misc...
Reasons People Choose Equity Release. Equity release is often surrounded by misconceptions. Some people believe it’s only for ho...
Can Equity Release Help? For many homeowners, their home is much more than brick...
Can Equity Release Help? For many homeowners, their home is much more than bricks and mortar. It’s where families have grown, me...
What is equity release? For many homeowners aged 55 and over, their property is ...
What is equity release? For many homeowners aged 55 and over, their property is their most valuable financial asset. After years o...
