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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Laura was very professional, worked hard at getting us a low rate fixed mortgage beyond our expectations,Sandra was really helpful , when we had various problems went way beyond expectations Can’t thank them enough , Highly recommend
Christina DisleyThere are no words to describe how amazing you are. This is not the first time we worked together and every time we are completing on our property I remember why we are always coming back to you. Thank you Helen, Sandra and Angela. The team is amazingly friendly, and... read more
Sergiu HolhosBrilliant 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 GowanAfter 5 years of hell with divorce, business and health, and the recent problems we all suffer - It has been a pleasure to deal with Jane @ HF Associates. I heartily recommend if you need someone who will stop and talk in plain English. Moving house today... read more
Shaun AshtonCannot 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 SmithGreat from start to finish, Pat and Helen went above and beyond for us. Will definitely be using these guys in the future.
Lewis GildartHF Associates was realy helpful, they made the dealing stress free. Thank you.
Dan ObeadaHelen and Sandra, helped me and my partner buy our first house and also remortgage. Both times they were absolutely fantastic, give the best and realistic advice. Sandra always kept us up to date with where things were up to and chased the solicitors constant to help things run and... read more
Courtney LloydWe 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 MarshFor many homeowners entering retirement, their home represents their largest financial asset, so can equity release help...
For many homeowners entering retirement, their home represents their largest financial asset, so can equity release help? While pensions and savings often support everyday living c...
When Peter and Linda first retired, they expected life to become quieter. What t...
When Peter and Linda first retired, they expected life to become quieter. What they hadn’t expected was how quickly their priori...
For many homeowners, retirement isn’t about slowing down. It’s about finally...
For many homeowners, retirement isn’t about slowing down. It’s about finally having the time to do the things that were always...
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...
