Your Local Expert
Equity Release & Lifetime Mortgage Advisors

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

Rated by 140+ Reviews

    Speak to an Adviser

    By submitting your details you have confirmed that you have read and understood our Privacy Policy

    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

    Stay up to date with our socials

    What Our Clients Say

    • Highly Recommend. Helen and the team made the process really easy and smooth for us

      Matt Avatar Matt
      February 23, 2024

      We are so grateful to Helen and her team for helping us throughout the whole process. From our very first meeting we were put at ease and every step of the process was clearly explained and supported. Nothing was ever too much trouble! Helen and her team made the mortgage... read more

      helen guest Avatar helen guest
      October 23, 2023

      HF Associates was realy helpful, they made the dealing stress free. Thank you.

      Dan Obeada Avatar Dan Obeada
      October 23, 2023
    • Fantastic service from Jane Murphy. Helpful and informative from start to end. Great support all the way through.

      J robinson Avatar J robinson
      April 23, 2024

      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

      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
    • 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

      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

      We have just had our mortgage accepted on our first home and can’t recommend Helen and the team enough! I think it only took just over 3 weeks in total from the first initial chat to getting our final offer which I never expected as a business owner was possible.... read more

      Emily Campbell Avatar Emily Campbell
      February 23, 2024

    News & Insights

    2 weeks ago

    When Margaret turned 72, she didn’t want to move home. She had lived in her home for over thirty years. It held memori...

    When Margaret turned 72, she didn’t want to move home. She had lived in her home for over thirty years. It held memories, familiarity and a strong sense of independence. But as t...