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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Brilliant service from the team - especially Helen who is very helpful and always available when needed! Would highly recommend :)
Jo TonerHelen is truly the standard to how all other mortgage advisors should be. Her communication is timely and to the point, she will tell you the facts of the matter and not lead you down the garden path. If it can be done, Helen is the one who will be... read more
Frank FrancisHF Associates was realy helpful, they made the dealing stress free. Thank you.
Dan ObeadaCouldn’t fault the great level of support and help I received throughout my mortgage process I would highly recommend this company .
Helen BeardWould 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 robinsonCannot 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 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 FisherCan’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 JopsonHF Associates provided expert insight and support throughout the whole sale and purchase process giving us guidance and options with a positive approach. A massive thank you from my family as HF played a major part in securing our perfect home. Highly recommended 👏
Craig KayeWhen Margaret turned 72, she didn’t want to move home. She had lived in her home for over thirty years. It held memori...
When Margaret turned 72, she didn’t want to move home. She had lived in her home for over thirty years. It held memories, familiarity and a strong sense of independence. But as t...
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. ...
Equity Release used for medical purposes. Phil and Julie never expected to be in...
Equity Release used for medical purposes. Phil and Julie never expected to be in this position. They had worked hard, planned care...
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...
