At HFA Later Life, we’ve been proudly help transform lives since 2006 by helping thousands of clients unlock the value in their homes through Lifetime Mortgages and Equity Release. Based in our offices in Wigan, Greater Manchester and led by founder Helen, we specialise in providing clear, compassionate, and personalised advice for those aged 55 and over who are looking to make the most of their later life.
We don’t believe in one-size-fits-all solutions. Every client we meet has a different story, different needs, and different dreams for retirement. That’s why HFA Later Life has personally handpicked a team of expert advisers who share her values: empathy, integrity, and a deep understanding of the later life lending market.
Whether you’re looking to boost your retirement income, help family financially, or simply enjoy the home you’ve worked so hard for, we’re here to help you do it with confidence and clarity.
At HFA Later Life, we pride ourselves on providing reliable and comprehensive advice. We’re more than just a mortgage broker; we’re your trusted partner for Lifetime mortgages, equity release, and more.
We specialise in helping you find the right lifetime & equity release products that suit your individual circumstances. Our advisers are committed to understanding your specific needs, whether you are a looking into options available or have already done your own research.
We don’t just offer expert mortgage advice. Our equity release & lifetime mortgage advisers also provide tailored protection insurance solutions, making us a one-stop-shop for your financial security needs.
Specialists in Equity Release & Lifetime Mortgages
Our focus is your future. We provide tailored advice on a full range of later life lending products, including Lifetime Mortgages, Home Reversion Plans, and Retirement Interest-Only (RIO) Mortgages. As fully qualified advisers, we ensure you fully understand your options and only proceed if it’s right for you.
Truly Personalised Later Life Mortgage Advice
Your goals are unique and your mortgage advice should be too. We take the time to understand your full financial picture, so we can recommend the most suitable later life lending solution for your circumstances, now and in the future.
Transparent, Independent, and Client-First Approach
We’re not tied to any one lender, which means we can offer you whole-of-market advice with no pressure or hidden agenda. Our approach is honest, straightforward, and always in your best interest.
Peace of Mind for You and Your Family
We understand that decisions about your home and finances often involve family. That’s why we encourage open conversations and offer guidance you and your loved ones can trust. We’ll never recommend anything we wouldn’t suggest to our own family.
Equity release can be life-changing, but it needs to be done with care. If you’re considering unlocking the value in your home, we’re here to guide you every step of the way.
Helen and Sandra have been really supportive and helpful throughout the whole process. It was a lovely gesture to receive a card in the post at my new home. Definitely recommend their services.
Natalie GaskellMy 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!
AnnWe 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 CampbellHelen and the team were absolutely fantastic arranging the best mortgage for me during a difficult financial climate. I would highly recommend.
Hollie LockleyCannot THANK / Recommend Laura and Sandra enough. Laura worked tirelessly to secure the best mortgage rate for us and was on hand around the clock to answer / help with any of our mortgage related needs during what was a turbulent time in the housing market.
Justin SmithHelen 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 FrancisI can't recommend Helen and her team highly enough. From start to finish they have managed the process, keeping us informed at every stage of our new mortgage and making us feel secure in what is a time of upheaval. Helen even negotiated a reduced rate as interest rates fluctuated,... read more
Calum MacphersonHF 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 KayeI 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 BarrettIf you’re a homeowner aged 55 or over, you may have heard about equity release as a way to unlock some of the money ti...
If you’re a homeowner aged 55 or over, you may have heard about equity release as a way to unlock some of the money tied up in your home. For many people, it offers a chance to e...
Equity release and lifetime mortgages are becoming increasingly popular as homeo...
Equity release and lifetime mortgages are becoming increasingly popular as homeowners over 55 look for ways to supplement their re...
Imagine a world where your hard-earned money isn’t tied up in your propert...
Imagine a world where your hard-earned money isn’t tied up in your property, but is readily available to help you achieve yo...
Many people look forward to retirement, which allows them to relax, travel, and ...
Many people look forward to retirement, which allows them to relax, travel, and enjoy the results of their work. However, ensuring...
