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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A massive thanks to Helen, Sandra and Co for all their help and advice. I would highly recommend them and will definitely be using them again!
Natalie EdmondsCan honestly say Jane Murphy made the whole process very easy and stress free for me. Thank you for all your help in finding a new Mortgage deal in order for me to Sell and purchase a new property (for the 2nd time!) Talked to me as a friend and... read more
Dezley WHelen is truly the standard to how all other mortgage advisors should be. Her communication is timely and to the point, she will tell you the facts of the matter and not lead you down the garden path. If it can be done, Helen is the one who will be... read more
Frank FrancisI would like to thank Helen and Lindsay for all the help and for bearing with me through everything. I particularly appreciate Ms.Lindsay Stanton because she found the best mortgage rate for our property purchase. Lindsay explained everything in details and she made the whole process very clear. She was... read more
Allen B.Thanks 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 LeekWe have just had our mortgage accepted on our first home and can’t recommend Helen and the team enough! I think it only took just over 3 weeks in total from the first initial chat to getting our final offer which I never expected as a business owner was possible.... read more
Emily CampbellAs 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 ChackoNothing was too much trouble for Helen & the team. Very knowledgeable & always updated me promptly with any developments, seeing it through to the very end. Would absolutely recommend them. Thanks
Phil BarkerLaura 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 DisleyFor many homeowners entering retirement, their home represents their largest financial asset, so can equity release help...
For many homeowners entering retirement, their home represents their largest financial asset, so can equity release help? While pensions and savings often support everyday living c...
When Peter and Linda first retired, they expected life to become quieter. What t...
When Peter and Linda first retired, they expected life to become quieter. What they hadn’t expected was how quickly their priori...
For many homeowners, retirement isn’t about slowing down. It’s about finally...
For many homeowners, retirement isn’t about slowing down. It’s about finally having the time to do the things that were always...
When Margaret turned 72, she didn’t want to move home. She had lived in her ho...
When Margaret turned 72, she didn’t want to move home. She had lived in her home for over thirty years. It held memories, famili...
