Expert Mortgage Advice, Tailored to You

Family run and Chorley based since 2004. We give honest, straight-talking advice across the whole market. In person at our offices, or by phone and video call wherever you are in the UK.

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 Chorley, Lancashire, we provide independent whole-of-market mortgage advice for first time buyers, home movers, remortgages and equity release. We can help in person in our 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.

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Mortgages

Support for first time buyers, home movers, those remortgaging and landlords. We search the whole market, explain your options clearly and handle the application on your behalf.

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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.

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Insurance

Life cover, critical illness and income protection built around your family or your business. Whatever happens, you and the people who depend on you are covered.

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Specialist Mortgages

We work with self-employed applicants, contractors, professionals, NHS workers, and those looking to borrow larger sums, finding lenders who understand your situation and making your income work as hard as possible.

What Sets Us Apart

Here at Aspect Mortgages, we:

  • Provide whole-of-market advice across more than ninety lenders and leading insurers.

  • Keep service at the heart of what we do - with over 450 five-star reviews from clients.

  • 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.

Aspect Mortgages independent mortgage advisers providing expert guidance to clients

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

Aspect Mortgages is based in Chorley, Lancashire, but we work with clients nationwide. Whether you prefer to meet us in person at our offices or speak with one of our advisers by phone or video call, we can help you wherever you are in the UK.

We have particular experience serving homeowners and buyers across Lancashire and Greater Manchester, including Preston, Chorley, Leyland, Bamber Bridge, Southport, Skelmersdale, Ormskirk, Wigan, Buckshaw Village, Worsley, Sale, Prestwich, Cheadle, Marple and Bolton.


We offer specialist mortgage and financial advice across a wide range of needs, including first-time buyers, home movers, remortgages, buy-to-let, product transfers, self-employed applicants, contractors, professionals, NHS workers, large loans, adverse credit and equity release.


Get the right advice from advisers who put you first

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 FCA 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 2026 Aspect Mortgages Limited