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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Helen and the team were absolutely fantastic arranging the best mortgage for me during a difficult financial climate. I would highly recommend.
Hollie LockleyWas referred by a friend and was worth every penny. Helen made it very clear and laid out all possibilities to us. She saved us money by keeping on top of market changes will allowed us to get us a cheaper rate. Her team member Sandra was also fantastic throughout... read more
Stephen DarwinHelen 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 FisherHad 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-BondHighly Recommend. Helen and the team made the process really easy and smooth for us
MattMy 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!
AnnSmooth and efficient service from the start to the completion of my mortgage. Sandra was most helpful in dealing with any queries that we had.
Charles CropperWe 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 MarshAbsolutely 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 WilsonOne feature that distinguishes many Lifetime Mortgages from standard residential mortgages is that mandatory monthly rep...
One feature that distinguishes many Lifetime Mortgages from standard residential mortgages is that mandatory monthly repayments may not be required. Instead, interest can be added ...
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...
Reasons People Choose Equity Release. Equity release is often surrounded by misc...
Reasons People Choose Equity Release. Equity release is often surrounded by misconceptions. Some people believe it’s only for ho...
