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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I can't thank Helen and the team at HF Associates enough for all their help and guidance with purchasing my new home. As a first time buyer they made me feel at ease and were always at the end of the phone if I needed anything. Special thanks to Sandra... read more
Carmen BarrettCan 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 WThere 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 HolhosHF Associates was realy helpful, they made the dealing stress free. Thank you.
Dan ObeadaWas referred by a friend and was worth every penny. Helen made it very clear and laid out all possibilities to us. She saved us money by keeping on top of market changes will allowed us to get us a cheaper rate. Her team member Sandra was also fantastic throughout... read more
Stephen DarwinI 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 FairhurstI can't recommend Helen and her team highly enough. From start to finish they have managed the process, keeping us informed at every stage of our new mortgage and making us feel secure in what is a time of upheaval. Helen even negotiated a reduced rate as interest rates fluctuated,... read more
Calum MacphersonAbsolutely amazing team! Laura and Sandra were great through every step of the process. Buying my first home was daunting to say the least. They have made it the smoothes experience. Thank you soooo much
Rosie shireWould 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 robinsonWhen Peter and Linda first retired, they expected life to become quieter. What they hadn’t expected was how quickly th...
When Peter and Linda first retired, they expected life to become quieter. What they hadn’t expected was how quickly their priorities would change. For decades, their financial de...
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...
Equity Release for Living Life. Tony and Jan had always dreamed big. Maps covere...
Equity Release for Living Life. Tony and Jan had always dreamed big. Maps covered their walls. Travel books filled their shelves. ...
