Find the Right Mortgage with Advice You Can Rely On
At Aspect Mortgages, we give advice that feels personal, straight-talking and completely on your side. With access to the whole market, you can compare your options without any pressure — just honest guidance. Speak to one of our advisers and discover how the right mortgage or protection plan can help you move forward with confidence.
Why Choose Aspect Mortgages
Looking For Mortgage Advice That Puts You First
We are an independent, family founded firm that has been giving trusted mortgage and insurance advice since 2004. Authorised and regulated by the Financial Conduct Authority, we have helped generations of families buy homes, protect their futures, and plan for later life.
Proudly based in Lancashire, we provide expert mortgage advice at our Chorley offices — or nationwide by phone and video call.
Our clients choose us because we put people before products. Advice is always personal, never pressured, and delivered with the highest standards of care from our team of advisers.
How We Help Our Clients
As life evolves, so do your needs. We’ll be here with the right advice whenever you need it.
Mortgages
Support for first time buyers, home movers, those remortgaging, and landlords. We help you understand what is possible, compare offers, and take you through the process from start to finish.
Equity Release
Specialist advice for later life clients who want to unlock value from their home. We explain the benefits and risks, make sure everything is safe and suitable, and stay with you at each stage.
Insurance
Protection that gives peace of mind. Life cover, critical illness, and income protection designed around your family or business so that whatever happens, you are not left unsure about the future.
Estate Planning
Planning ahead with wills, trusts, and lasting powers of attorney. We help you protect what matters most and make sure your wishes are carried out clearly and fairly.
What Sets Us Apart
Here at Aspect Mortgages, we:
Provide whole-of-market advice across more than ninety lenders and leading insurers.
Keep family values at the core of our service.
Bring together over 100 years of combined team experience.
are FCA authorised and regulated, along with being Equity Release Council members.
Stay with you through the life of your mortgage with ongoing reviews and support
How We Work With You
1
We Listen And Understand
We don’t just hear the numbers — we understand the person behind them and build a plan to match.
2
We Plan And Prepare With You
Once we’ve set your budget and gathered the paperwork, we’ll search the whole market to find lenders that match your plans.
3
We Compare The Best Options
We set out clear choices with plain pros and cons, and we guide your decision so the plan suits your goals.
4
We Manage Your Application
We submit everything on your behalf and stay on top of the process, keeping you in the loop from start to finish — and beyond.
What Our Clients Say About Aspect Mortgages
Get the right advice — and the confidence that comes with it
Share your goals and get straight answers from a trusted adviser.
Fees
There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £495 for a residential/buy to let mortgage or £1495 for an equity release/retirement mortgage.
Important Information
Aspect Mortgages Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 305352. The FCA do not regulate Business Buy to Let Mortgages or Estate Planning.
As independent advisers we have access to the whole market, except for deals that you can only obtain by going direct to a lender. Registered in England and Wales No: 051013801. 16 St Thomas' Road, Chorley, PR7 1HR.
Your home may be repossessed if you do not keep up repayments on your mortgage.
© Copyright 2025 Aspect Mortgages Limited