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Equity Release & Lifetime Mortgage Advisors

Book a no-obligation consultation with HFA Later Life today. Specialists in Lifetime Mortgages and Equity Release!

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    Welcome to HFA Later Life

    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

    What We Do

    Equity Release Mortgages

    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-f...

    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...

    Lifetime Mortgages

    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 choos...

    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...

    Why Choose HFA Later Life

    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

    Book a no-obligation consultation with us on: 01942 311555

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    What Our Clients Say

    • Couldn’t fault the great level of support and help I received throughout my mortgage process I would highly recommend this company .

      Helen Beard Avatar Helen Beard
      July 23, 2024

      Brilliant service from the team - especially Helen who is very helpful and always available when needed! Would highly recommend :)

      Jo Toner Avatar Jo Toner
      December 23, 2023

      I 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 Fairhurst Avatar Megan Fairhurst
      October 23, 2023
    • As 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 Chacko Avatar Daisy Chacko
      April 23, 2024

      Absolutely fantastic from start to finish. Laura found and secured us a great mortgage deal. Laura was there every step of the way, very efficient and responsive to messages. Also big thank you to Sandra for the updates through the process. Highly recommend 5* :) x

      Gemma Wilson Avatar Gemma Wilson
      October 23, 2023

      Brilliant service, special thanks to Jane Murphy for organising my new mortgage deal. Completely stress free experience, she found us the best deal on the market that suited my needs. I never had to lift a finger. 5 star service

      Phillie Gowan Avatar Phillie Gowan
      October 23, 2023
    • There 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 Holhos Avatar Sergiu Holhos
      April 23, 2024

      Thanks 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 Leek Avatar Scott Leek
      November 23, 2023

      Helen and Sandra, helped me and my partner buy our first house and also remortgage. Both times they were absolutely fantastic, give the best and realistic advice. Sandra always kept us up to date with where things were up to and chased the solicitors constant to help things run and... read more

      Courtney Lloyd Avatar Courtney Lloyd
      October 23, 2023

    News & Insights

    5 days ago

    Reasons 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...