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 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 CampbellWould highly recommend them just had our mortgage changed over, they kept us informed at each stage, worked in our best interest at all times, they took all the pressure of us and were always on hand when we needed them, would definitely use them again.
julie robinsonGreat from start to finish, Pat and Helen went above and beyond for us. Will definitely be using these guys in the future.
Lewis GildartI 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.Helen 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 FisherWe 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 guestI have used Helen’s services twice now and each time she has got me the best deal. I wouldn’t go anywhere else they always go above and beyond for their clients. Thanks Helen, Sandra and team!
Megan FairhurstCan’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 JopsonHad 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-BondEquity Release used for medical purposes. Phil and Julie never expected to be in this position. They had worked hard, pl...
Equity Release used for medical purposes. Phil and Julie never expected to be in this position. They had worked hard, planned carefully and done everything “right”. For years, ...
Equity Release for a Holiday Home. For Gary and Wendy, retirement wasn’t about...
Equity Release for a Holiday Home. For Gary and Wendy, retirement wasn’t about slowing down. It was about freedom, flexibility a...
Kevin and Amanda’s equity release process started after a long awaited ambitio...
Kevin and Amanda’s equity release process started after a long awaited ambition. They have always been football people. As long-...
This week we are going to take a look at the common question: what is a lifetime...
This week we are going to take a look at the common question: what is a lifetime mortgage used for? A Lifetime Mortgage is not abo...
