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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Jane and Sandra have made the experience of buying our first home stress free and smooth sailing. The communication is great and are always at the other end of the phone/email to answer any queries and concerns. We got a good mortgage rate given our current circumstances. Would definitely recommend!
Ella TarbuckHighly Recommend. Helen and the team made the process really easy and smooth for us
MattHad 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-BondHelen 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-LopezCouldn’t fault the great level of support and help I received throughout my mortgage process I would highly recommend this company .
Helen BeardCannot THANK / Recommend Laura and Sandra enough. Laura worked tirelessly to secure the best mortgage rate for us and was on hand around the clock to answer / help with any of our mortgage related needs during what was a turbulent time in the housing market.
Justin SmithAfter 5 years of hell with divorce, business and health, and the recent problems we all suffer - It has been a pleasure to deal with Jane @ HF Associates. I heartily recommend if you need someone who will stop and talk in plain English. Moving house today... read more
Shaun AshtonWe 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 CampbellI 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 FairhurstFor 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...
