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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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 CampbellHF Associates provided expert insight and support throughout the whole sale and purchase process giving us guidance and options with a positive approach. A massive thank you from my family as HF played a major part in securing our perfect home. Highly recommended 👏
Craig KayeHad 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-BondHelen 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 RebeccaWe 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 guestThanks 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 LeekHF Associates was realy helpful, they made the dealing stress free. Thank you.
Dan ObeadaA 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 EdmondsHelen and the team were amazing! Sandra was very attentive and quick to respond to any query I had. It was such a positive experience during a stressful time!! Thank you again for all your help!! Would highly recommend to anyone!!
Eleanor PritchardEquity Release for Living Life. Tony and Jan had always dreamed big. Maps covered their walls. Travel books filled their...
Equity Release for Living Life. Tony and Jan had always dreamed big. Maps covered their walls. Travel books filled their shelves. For decades, they’d talked about “one day”. ...
Equity Release used for medical purposes. Phil and Julie never expected to be in...
Equity Release used for medical purposes. Phil and Julie never expected to be in this position. They had worked hard, planned care...
Equity Release for a Holiday Home. For Gary and Wendy, retirement wasn’t about...
Equity Release for a Holiday Home. For Gary and Wendy, retirement wasn’t about slowing down. It was about freedom, flexibility a...
Kevin and Amanda’s equity release process started after a long awaited ambitio...
Kevin and Amanda’s equity release process started after a long awaited ambition. They have always been football people. As long-...
