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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Brilliant service, special thanks to Jane Murphy for organising my new mortgage deal. Completely stress free experience, she found us the best deal on the market that suited my needs. I never had to lift a finger. 5 star service
Phillie GowanHelen 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 FrancisVery 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 gibneyI continue to use and to refer people to Helen at HF Associates for all mortgage issues. The team is a well drilled outfit, making it so easy and smooth. Give them a try.
Jim TooheyWe 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 guestWas 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 DarwinWe 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 MarshWhat a fantastic service HFA Mortgage & Protection provides. Communication and support throughout the process was excellent. 5 star from start to finish.
Kim BluckA 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 EdmondsFor many homeowners, retirement isn’t about slowing down. It’s about finally having the time to do the things that w...
For many homeowners, retirement isn’t about slowing down. It’s about finally having the time to do the things that were always postponed. For years, responsibilities come first...
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. ...
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...
