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All your lifetime mortgage advice under one roof!
Personally Tailored Advice
At HFA Later Life, we specialise in helping homeowners aged 55 and over access the equity in their property with flexible, FCA-regulated lifetime mortgages. Whether you’re looking to boost your retirement income, support loved ones, or simply enjoy life to the fullest, a lifetime mortgage can offer a safe and practical way to release tax-free cash from your home, while you continue living in it.
To connect with one of our lifetime mortgage advisers, simply complete our enquiry form. We respect your privacy, thus, your details will strictly serve to address your queries and will not be retained for promotional activities.
What is a Lifetime Mortgage?
A lifetime mortgage is a type of equity release that allows you to borrow money secured against your home, without needing to move or sell. You retain full ownership of your property, and the loan, plus any accrued interest, is only repaid when you pass away or move into long-term care.
You can choose to receive your money as a lump sum, in smaller instalments, or a combination of both. Many plans also offer the flexibility to make voluntary repayments, helping you manage the impact of interest over time.
Key Features of a Lifetime Mortgage
• Tax-free cash to use however you choose
• No monthly repayments required, unless you want to make them
• Maintain full ownership of your home
• Guaranteed right to remain in your property for life
• No negative equity guarantee – you’ll never owe more than your home is worth
• Inheritance protection options available
• Flexible drawdown options to access funds as needed
Is a Lifetime Mortgage Right For You
A lifetime mortgage isn’t for everyone, but for many, it can provide life-changing peace of mind and financial flexibility in retirement. We’ll take the time to get to know your circumstances, priorities, and future plans, so you can feel confident you’re making the right decision.
Common Reason People Choose a Lifetime Mortgage
- Supplementing pension income
- Paying off an existing mortgage or debts
- *Helping children or grandchildren onto the property ladder – *Gifting money to a recipient may make them liable for inheritance tax.
- Making home improvements
- Funding long-term care or private medical costs
- Enjoying retirement with more financial freedom
Why Choose HFA Later Life
We understand that releasing equity from your home is a big decision—so we treat it with the care, transparency, and expertise it deserves. At HFA Later Life, we’re not just here to advise – we’re here to support you through every step of the process with honest guidance and tailored recommendations that put your best interests first.
• Independent advice
• No-pressure, jargon-free consultations
• We follow the high standards of conduct promoted by the Equity Release Council.
• Friendly, expert advisers who understand later life planning
Speak to a HFA Later Life specialist today
If you’re curious about how a lifetime mortgage could support your future, our expert advisers are here to help. No jargon, no pressure – just clear, personal advice from people who care.
