Kevin and Amanda’s equity release process started after a long awaited ambition. They have always been football people. As long-standing Manchester City season-ticket holders, home games have been part of their routine for decades. However behind the weekly matches and familiar rituals sat a much deeper memory for Kevin, one that had never quite faded.

As an 18-year-old in the 1980s, Kevin travelled to Mexico with his dad to watch the World Cup. One stadium in particular stayed with him: Estadio Azteca. The atmosphere, the journey and the time spent with his father became one of the most meaningful experiences of his life.

Life moved on. Careers, children, responsibilities. Kevin’s dad passed away and that memory became even more precious.

When “One Day” Becomes “Now”

Now retired, with their children grown and living independently, Kevin and Amanda found themselves reflecting on what the next chapter should look like. They didn’t want rushed holidays or half-measures. If they were going to do this, they wanted to do it properly.

Mexico. The USA. Canada. A campervan. Time. Freedom. Like many people, they were reluctant to dip heavily into pensions or savings set aside for later life.

A Different Way of Thinking About Their Home Using The Equity Release Process

After speaking to friends, Kevin and Amanda contacted HFA Later Life to understand whether equity release could play a role, not as a last resort, but as a planning tool. What they discovered during the equity release process surprised them.

Through a Lifetime Mortgage, they could release tax-free cash from their home, remain living there for life, and fund the journey in a way that felt comfortable and controlled.

There were no monthly repayments required, and the plan included safeguards to protect their future and their family.

Making Memories While They Could

The trip wasn’t just about football or travel. It was about honouring a memory, sharing it and creating new ones together.

Kevin stood again in Estadio Azteca, this time with Amanda, reflecting on where life had taken him.

“Life is about experiences,” Kevin said. “We realised we’d waited long enough.”

Your Time Matters Too

The Equity release process isn’t about spending recklessly. It’s about recognising that later life should still be full of meaning, movement and memory-making. If you’ve spent decades waiting for “the right time,” that time might be now.

Start Planning Your Own Next Chapter

At HFA Later Life, we help homeowners aged 55+ explore later-life lending with clarity, care and honesty.

Visit www.HFALaterLife.uk to understand your options and start planning the experiences that matter most.

Disclaimer:

Equity release includes Lifetime Mortgages and Home Reversion Schemes. We can advise and arrange Lifetime Mortgages and will refer to an approved specialist for Home Reversion schemes.

This is a Lifetime Mortgage. These are only applicable to those 55 and over, and it could affect eligibility to state means-tested benefits and the inheritance you may leave. To understand the features and risks, ask for a personalised illustration.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £1,500 payable at completion for equity release products.