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.

Helen Ferneyhough Associates Ltd, trading as HFA Later Life is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

Helen Ferneyhough Associates Ltd is registered in England and Wales with company number 1017603. 15 Market Street Standish, Wigan, Lancashire, England, WN6 0HW.

Lifetime Mortgage is 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.
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.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £1500 and this will be discussed and agreed with you at the earliest opportunity.

The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

HFA - Later Life

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HFA - Later Life

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