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
Nothing was too much trouble for Helen & the team. Very knowledgeable & always updated me promptly with any developments, seeing it through to the very end. Would absolutely recommend them. Thanks
Phil BarkerHelen & 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.
ChrisI 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 BarrettHelen 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-LopezWe 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 CampbellCan’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 was realy helpful, they made the dealing stress free. Thank you.
Dan ObeadaVery professional mortgage broker, staff are very friendly and welcoming, Michael our advisor was personable, thorough and explained everything in an understandable way with no waffle, he was extremely professional but was also helpful and did things in a timely manner. Very highly recommended
trish gibneyHF 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 KayeHomeowners 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...
