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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A massive thanks to Helen, Sandra and Co for all their help and advice. I would highly recommend them and will definitely be using them again!
Natalie EdmondsWe wasn't looking forward to the whole remortgaging process but Laura and Sandra made it easy and stress free from day one. From the convenient appointment times to the regular updates. We can't thank them enough. I would happily recommend there services to friends, family and colleagues without hesitation.
Daniel MarshI 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 MacphersonVery 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 gibneyHelen 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 FrancisCouldn’t fault the great level of support and help I received throughout my mortgage process I would highly recommend this company .
Helen BeardI 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 BarrettHighly Recommend. Helen and the team made the process really easy and smooth for us
MattHelen and Sandra have been really supportive and helpful throughout the whole process. It was a lovely gesture to receive a card in the post at my new home. Definitely recommend their services.
Natalie GaskellWhen Peter and Linda first retired, they expected life to become quieter. What they hadn’t expected was how quickly th...
When Peter and Linda first retired, they expected life to become quieter. What they hadn’t expected was how quickly their priorities would change. For decades, their financial de...
For many homeowners, retirement isn’t about slowing down. It’s about finally...
For many homeowners, retirement isn’t about slowing down. It’s about finally having the time to do the things that were always...
When Margaret turned 72, she didn’t want to move home. She had lived in her ho...
When Margaret turned 72, she didn’t want to move home. She had lived in her home for over thirty years. It held memories, famili...
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. ...
