Chris Wade, HFA Mortgage & Protection

Chris Wade, HFA Mortgage & Protection Later Life Lending Specialist
Mortgage Adviser

📌 Current rate ending? What to do next!If your mortgage deal is due to end in the next 3–6 months, now’s the perfect tim...
24/07/2026

📌 Current rate ending? What to do next!

If your mortgage deal is due to end in the next 3–6 months, now’s the perfect time to start looking at your next steps.

⏰ Less than 3 months left? You need to act now. Why? Because once your current rate ends, you’ll usually drop onto your lender’s Standard Variable Rate (SVR) and that’s often higher.

When the Bank of England makes another rate announcement. If rates go up, so will SVRs. If they go down, it might not sting as much but it’s still likely a higher rate than what you’d get from remortgaging.

Either way, speaking with a broker now means:
✅ We can look at the full picture not just your current provider
✅ Find the right lender and product for you
✅ Lock in a deal so you move seamlessly from your current rate to your new one

Don’t leave it until the last minute!

📞 07591 356245
📧 [email protected]
📍 Rotherham S66

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances and range from £195 to £695. This will be discussed and agreed upon at the earliest opportunity

Need mortgage advice?Are you a first-time buyer, moving home, or sat on a low fixed rate that’s coming to an end, now’s ...
24/07/2026

Need mortgage advice?

Are you a first-time buyer, moving home, or sat on a low fixed rate that’s coming to an end, now’s the time to start planning and getting things lined up.

If you want a straight answer and a clear plan for what comes next, just drop me a message.

With over 13 years in the industry, fully FCA regulated and both CeMAP & CeRER qualified, I help you make sense of your options.

I’m based in the S66 area of Rotherham and offer face-to-face appointments locally or online sessions anywhere across the UK.

I come well recommended with 5 star Facebook and Google reviews 🙌🏻

Drop me a WhatsApp, Facebook Message or even book in a call using the Calendly link in my Bio. 😎

📱 07591356245
📧 [email protected]
📍 Rotherham S66

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances and range from £195 to £695. This will be discussed and agreed upon at the earliest opportunity.

Mortgage options in retirement?Already retired and think your options are limited? Think again.Lenders can still conside...
23/07/2026

Mortgage options in retirement?

Already retired and think your options are limited? Think again.

Lenders can still consider capital and repayment mortgages in retirement, and there are specialist products too, like Retirement Interest Only (RIO) mortgages. Then there’s a lifetime mortgage – a form of equity release – which can unlock cash from your home, often without traditional affordability checks or the need for a spotless credit file.

The key is this: you need to speak with a later life specialist who can explore all options, not just push one route over another.

If you'd like a copy just comment the word "BROCHURE" or drop me a private message and I'll send you a copy.

Chris Wade - Later Life Lending Specialist

📞 07591356245
📩 [email protected]
📍 Rotherham S66
🌍 www.hfalaterlife.uk

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 advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £1500

Over 55 and need advice?If you’re starting to look at your later-life lending options, it can feel a bit confusing. That...
23/07/2026

Over 55 and need advice?

If you’re starting to look at your later-life lending options, it can feel a bit confusing. That’s where I come in. I’m a later life specialist with a background built firmly around over-55s mortgage lending and equity release.

Whether you’re exploring a standard mortgages, retirement interest-only, or a lifetime mortgage (equity release), I’ll help you work out what actually suits your needs and requirements, not just pigeon holed into any product. Straight answers, clear explanations.

I’m FCA regulated, CeMAP and CeRER qualified, a proud member of the Equity Release Council, and with 13+ years’ experience, based in Rotherham (S66) you’re in safe hands.

If you want a chat, some guidance, or a full review of your options, just give me a shout.

📞 07591356245
📩 [email protected]
📍 Rotherham S66
🌍 www.hfalaterlife.uk

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 advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £1500.

Bad Credit? Don’t write yourself off just yet…If you’ve already been declined for a mortgage, it doesn’t mean you’re out...
22/07/2026

Bad Credit? Don’t write yourself off just yet…

If you’ve already been declined for a mortgage, it doesn’t mean you’re out of options. Some lenders are simply less flexible when it comes to bad credit but others will consider a wide range of circumstances, including:

✅ Missed or late payments
✅ Defaults and CCJs
✅ Debt management plans
✅ Previous IVAs or even Bankruptcies

It’s not always a straight “yes” or “no” sometimes you need a broker/adviser willing to pick up the phone and fight your corner, it’s all about finding the right lender for your situation. Timing matters (when these issues happened) and frequency matters too.

That’s where an experienced mortgage broker comes in. I know the criteria, I understand the lenders, and I take the time to underwrite your profile properly. Most importantly, I'm here to support you through the process, no judgement, just positive outcomes.

If you’ve been knocked back, don’t give up. Give me a bell, book in a call using my Calendly link in my bio or drop me a WhatsApp!

📞 07591 356245
📧 [email protected]
📍 Rotherham S66

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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 £695 and this will be discussed and agreed with you at the earliest opportunity

Heard terms like later life lending, retirement interest only or lifetime mortgage and thought… what does that actually ...
21/07/2026

Heard terms like later life lending, retirement interest only or lifetime mortgage and thought… what does that actually mean for me?

I’ve put together a free brochure that breaks it all down properly, clear, balanced, pros and cons laid out so you can make your own mind up.

No hassle or pressure.
No awkward follow-up calls.
No phone number required.

Just comment the word "BROCHURE" or drop me a message and I'll send you a copy.

Have a read in your own time. Digest it properly. Then if you want to talk, you contact me, on your terms.

Simple as that.

Chris Wade - Later Life Lending Specialist (CeMAP & CeRER)

📞 07591356245
📩 [email protected]
📍 Rotherham S66
🌍 www.hfalaterlife.uk

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 advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £1500

If you’re over 55 and you’ve heard terms like equity release or lifetime mortgages, but you’re not 100% sure what they a...
17/06/2026

If you’re over 55 and you’ve heard terms like equity release or lifetime mortgages, but you’re not 100% sure what they actually are or how they work this is for you.

I’ve put together a straight-talking Later Life Lending brochure that explains all of your options when it comes to property finance in later life.

The brochure covers:

• Lifetime Mortgages / Equity Release

• Retirement Interest Only (RIO) mortgages

• Standard mortgages when lending into retirement

• Ways of unlocking cash tied up in your home

• The pros and cons of each option

Clear comparisons so you can see what may (or may not) suit your situation

No pressure. Just facts so you can make an informed decision.

👉 Comment "BROCHURE" or drop me a Message and I'll send you a copy!

If you want to understand your options before speaking to anyone, this is a good place to start and then get in touch when you are ready!

📞 07591356245
📩 [email protected]
📍 Rotherham S66
🌍 www.hfalaterlife.uk

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 advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £1500.

Address

Rotherham

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 9am - 4pm
Sunday 9am - 4pm

Telephone

+447591356245

Website

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