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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

    • Helen is brilliant. She is our go-to mortgage advisor. She is always on hand to answer any questions and I fully trust her opinion. Sandra is also a wonderful support, deals with things very quickly and helps get things over the line. I would 100% recommend their service and I... read more

      Amy Rebecca Avatar Amy Rebecca
      April 23, 2024

      Very 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 gibney Avatar trish gibney
      February 23, 2024

      Excellent service again! Our remortgage was nice and smooth thanks to Helen and her team!

      Christian Chesworth Avatar Christian Chesworth
      October 23, 2023
    • My 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!

      Ann Avatar Ann
      October 23, 2023

      Helen 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 Francis Avatar Frank Francis
      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
    • 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

      Helen 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-Lopez Avatar Daniel Meyer-Lopez
      October 23, 2023

      I 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 Barrett Avatar Carmen Barrett
      October 23, 2023

    News & Insights

    2 weeks ago

    One of the most common questions people ask when first exploring equity release is whether a Lifetime Mortgage creates a...

    One of the most common questions people ask when first exploring equity release is whether a Lifetime Mortgage creates another monthly bill. For many homeowners approaching or alre...