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.
Get In Touch
Helen & Sandra were fantastic throughout the entire process of buying a house. As a first time buyer I was very grateful for all of their experience and help, it made the process stress free. I'd recommend Helen & Sandra to anybody that's buying a house.
ChrisWas 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 DarwinWhat a fantastic service HFA Mortgage & Protection provides. Communication and support throughout the process was excellent. 5 star from start to finish.
Kim BluckHelen 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 FisherHelen and the team were absolutely fantastic arranging the best mortgage for me during a difficult financial climate. I would highly recommend.
Hollie LockleyAs 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 ChackoCan’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 JopsonThere 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 HolhosHelen and the team were amazing! Sandra was very attentive and quick to respond to any query I had. It was such a positive experience during a stressful time!! Thank you again for all your help!! Would highly recommend to anyone!!
Eleanor PritchardHomeowners looking to access money tied up in their property may consider several routes. A Lifetime Mortgage can allow ...
Homeowners looking to access money tied up in their property may consider several routes. A Lifetime Mortgage can allow eligible homeowners to release equity while remaining in the...
One feature that distinguishes many Lifetime Mortgages from standard residential...
One feature that distinguishes many Lifetime Mortgages from standard residential mortgages is that mandatory monthly repayments ma...
A common concern for homeowners considering equity release is whether taking a L...
A common concern for homeowners considering equity release is whether taking a Lifetime Mortgage means they must remain in the sam...
One of the most common questions people ask when first exploring equity release ...
One of the most common questions people ask when first exploring equity release is whether a Lifetime Mortgage creates another mon...
