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
Had a seamless purchase of a property thanks to The advice and mortgage application process I recieved from Helen and followed thoroughly through to completion by case manager Sandra. Brilliant 👏 can't say anymore.
Mike Foster-BondAbsolutely 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 WilsonMy son Anthony used Helen to get his mortgage. She went above and beyond at all times and kept him constantly informed throughout the process. She was polite and courteous at all times. I would definitely recommend her services…..thank you so much!
AnnLaura was very professional, worked hard at getting us a low rate fixed mortgage beyond our expectations,Sandra was really helpful , when we had various problems went way beyond expectations Can’t thank them enough , Highly recommend
Christina DisleyFantastic service from Jane Murphy. Helpful and informative from start to end. Great support all the way through.
J robinsonI can't recommend Helen and her team highly enough. From start to finish they have managed the process, keeping us informed at every stage of our new mortgage and making us feel secure in what is a time of upheaval. Helen even negotiated a reduced rate as interest rates fluctuated,... read more
Calum MacphersonWould 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 robinsonCouldn’t fault the great level of support and help I received throughout my mortgage process I would highly recommend this company .
Helen BeardNothing 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 BarkerFor many homeowners aged 55 and over, equity release begins with curiosity rather than certainty. Often, it starts with ...
For many homeowners aged 55 and over, equity release begins with curiosity rather than certainty. Often, it starts with a conversation: “Where Do You Start With Equity Release? T...
My Equity Release Journey – Three years ago, Susan admits she barely recog...
My Equity Release Journey – Three years ago, Susan admits she barely recognised herself. At 63, life had become smaller than...
Are you thinking about later life planning in Ormskirk? For homeowners in our re...
Are you thinking about later life planning in Ormskirk? For homeowners in our region, retirement planning is changing. Longer life...
So is Equity release a better alternative to downsizing? For many homeowners in ...
So is Equity release a better alternative to downsizing? For many homeowners in Southport, the idea of downsizing often comes up w...
