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 CampbellA 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 EdmondsThere 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 HolhosThanks 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 LeekCannot 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 SmithHelen and the team were absolutely fantastic arranging the best mortgage for me during a difficult financial climate. I would highly recommend.
Hollie LockleyI 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 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.Highly Recommend. Helen and the team made the process really easy and smooth for us
MattReasons People Choose Equity Release. Equity release is often surrounded by misconceptions. Some people believe it’s o...
Reasons People Choose Equity Release. Equity release is often surrounded by misconceptions. Some people believe it’s only for homeowners who are struggling financially. Others th...
Can Equity Release Help? For many homeowners, their home is much more than brick...
Can Equity Release Help? For many homeowners, their home is much more than bricks and mortar. It’s where families have grown, me...
What is equity release? For many homeowners aged 55 and over, their property is ...
What is equity release? For many homeowners aged 55 and over, their property is their most valuable financial asset. After years o...
Is equity release for me? For years, Michael and Elaine lived carefully. Not rec...
Is equity release for me? For years, Michael and Elaine lived carefully. Not recklessly or extravagantly. Just cautiously. Like ma...
