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.
My 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!
AnnHelen 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 GaskellGreat from start to finish, Pat and Helen went above and beyond for us. Will definitely be using these guys in the future.
Lewis GildartWhat a fantastic service HFA Mortgage & Protection provides. Communication and support throughout the process was excellent. 5 star from start to finish.
Kim BluckExcellent service again! Our remortgage was nice and smooth thanks to Helen and her team!
Christian ChesworthWe 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 CampbellWe 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 guestCan honestly say Jane Murphy made the whole process very easy and stress free for me. Thank you for all your help in finding a new Mortgage deal in order for me to Sell and purchase a new property (for the 2nd time!) Talked to me as a friend and... read more
Dezley WHelen and the team were absolutely fantastic arranging the best mortgage for me during a difficult financial climate. I would highly recommend.
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