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Equity Release & Lifetime Mortgage Advisors

Book a no-obligation consultation with HFA Later Life today. Specialists in Lifetime Mortgages and Equity Release!

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    Welcome to HFA Later Life

    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

    What We Do

    Equity Release Mortgages

    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-f...

    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...

    Lifetime Mortgages

    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 choos...

    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...

    Why Choose HFA Later Life

    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.

    Get In Touch

    Book a no-obligation consultation with us on: 01942 311555

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    What Our Clients Say

    • Helen and the team were absolutely fantastic arranging the best mortgage for me during a difficult financial climate. I would highly recommend.

      Hollie Lockley Avatar Hollie Lockley
      October 23, 2023

      I 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 Toohey Avatar Jim Toohey
      September 23, 2024

      As first time buyers we had very little understanding of mortgage process. Mike Burrows , Mortgage & Protection Adviser was most helpful ,polite ,proactive and supportive in answering all our queries and concerns quickly ,walking through all of the formalities and helping us to decide which mortgage would be best... read more

      Daisy Chacko Avatar Daisy Chacko
      April 23, 2024
    • Helen and Sandra have been really supportive and helpful throughout the whole process. It was a lovely gesture to receive a card in the post at my new home. Definitely recommend their services.

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      Natalie Gaskell Avatar Natalie Gaskell
      November 23, 2023

      Can’t praise Jane and her team enough, all went above and beyond to help with my remortgage. Explained everything step by step and took ownership of the whole process. Really appreciate the support and time spent, thank you! Would highly recommend

      Brian Jopson Avatar Brian Jopson
      May 23, 2024

      We 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 guest Avatar helen guest
      October 23, 2023
    • Excellent service again! Our remortgage was nice and smooth thanks to Helen and her team!

      Christian Chesworth Avatar Christian Chesworth
      October 23, 2023

      I hope Mike Burrows reads this and it put a smile on his face. He is the most knowledgeable, patient, professional and super helpful mortgage advisor I have ever met. I am surprised he hasn’t blocked my number cos of my numerous questions about mortgages hahah. He wants you to... read more

      Eni guess Avatar Eni guess
      August 23, 2024

      Helen and her team were absolutely amazing. After being completely let down by other mortgage brokers for over a year she got us a re-mortgage deal within a day! We were always kept up-to-date with the progress and it was all done and dusted in about 6 weeks! I can... read more

      Daniel Meyer-Lopez Avatar Daniel Meyer-Lopez
      October 23, 2023

    News & Insights

    3 weeks ago

    Reasons People Choose Equity Release. Equity release is often surrounded by misconceptions. Some people believe it’s o...

    Reasons People Choose Equity Release. Equity release is often surrounded by misconceptions. Some people believe it’s only for homeowners who are struggling financially. Others th...