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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

    • Excellent service again! Our remortgage was nice and smooth thanks to Helen and her team!

      Christian Chesworth Avatar Christian Chesworth
      October 23, 2023

      Had a seamless purchase of a property thanks to The advice and mortgage application process I recieved from Helen and followed thoroughly through to completion by case manager Sandra. Brilliant 👏 can't say anymore.

      Mike Foster-Bond Avatar Mike Foster-Bond
      January 23, 2024

      Helen 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 Francis Avatar Frank Francis
      October 23, 2023
    • Brilliant service from the team - especially Helen who is very helpful and always available when needed! Would highly recommend :)

      Jo Toner Avatar Jo Toner
      December 23, 2023

      Fantastic service from Jane Murphy. Helpful and informative from start to end. Great support all the way through.

      J robinson Avatar J robinson
      April 23, 2024

      Smooth 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 Cropper Avatar Charles Cropper
      October 23, 2023
    • 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 Leek Avatar Scott Leek
      November 23, 2023

      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

      There are no words to describe how amazing you are. This is not the first time we worked together and every time we are completing on our property I remember why we are always coming back to you. Thank you Helen, Sandra and Angela. The team is amazingly friendly, and... read more

      Sergiu Holhos Avatar Sergiu Holhos
      April 23, 2024

    News & Insights

    5 days ago

    For many homeowners aged 55 and over, equity release begins with curiosity rather than certainty. Often, it starts with ...

    For many homeowners aged 55 and over, equity release begins with curiosity rather than certainty. Often, it starts with a conversation: “Where Do You Start With Equity Release? T...