About Aspect Mortgages

Independent, family-run mortgage advisers based in Chorley since 2004. We've grown almost entirely through repeat business and personal recommendations — if you've been referred to us or found us through our reviews, you're exactly who we work with.

About us

A family firm built almost entirely on repeat business and personal recommendations

We have one office, one team and one way of working — you deal with the same adviser from your first conversation to completion, every time.

2004 established
in Chorley
100+ years combined
experience
450+ five-star
reviews
450+ reviews

What our clients say

Our Story

A Family Firm Built On Trust

Rachel Gill and Richard Gill founders of Aspect Mortgages independent mortgage and insurance advisers in the UK

Rachel began her career as a mortgage adviser in 1999. Her first client was Richard - who was looking for his first home. Twenty-five years later, they run the business together as Director and Managing Director, and Aspect Mortgages has grown into one of Lancashire's most trusted independent brokerages.

Rachel founded the firm in 2004 with a simple goal: to give clients honest, clear advice they could trust. Richard joined in 2007, followed by Operations Manager Carly Skelding in 2014, and Neil Massam and Sue Slack in 2017. Mark Green joined in 2021, and Ranveer Bretherton and Hayley Kirk have strengthened the team since.

In 2022, we moved into our own offices on St Thomas's Road in Chorley - giving Aspect a permanent home and our clients a welcoming place to visit.

Most of our business still comes from word-of-mouth and repeat clients. If you are here because someone recommended us, that means everything to us.

Our Team

Rachel Gill Director of Aspect Mortgages specialist in equity release and estate planning advice

Rachel Gill

BA (Hons), CeMAP, CERER

Director and Equity Release Expert

Rachel began her career as a Mortgage Advisor in 1999 and founded Aspect Mortgages in 2004. With a wealth of experience in mortgage advice, later life lending, and estate planning, Rachel focuses on building strong, lasting relationships with clients and professional introducers. Outside of work, she enjoys family time, cooking, and practicing yoga.

Richard Gill Managing Director of Aspect Mortgages providing independent mortgage and insurance advice

Richard Gill

BSc (Hons), Adv CeMAP, CERER

Managing Director

With a wealth of mortgage, protection, and equity release experience, Richard supports the advice team and is responsible for maintaining Aspect Mortgages' strict service standards. Richard spends his spare time with Rachel and their two children. He loves to travel, particularly in Africa & the Middle East, and is a season ticket holder at Newcastle United.

Neil Massam mortgage equity release and protection expert at Aspect Mortgages supporting UK clients

Neil Massam

CERT PFS, CERT CII (MP)

Mortgage, Equity Release and Protection Expert

Neil has worked in financial services for over 30 years and joined Aspect Mortgages in 2017. He has a thorough knowledge of the financial world and enjoys being out and about, spending time with his clients and introducers. When not at work he enjoys time with his family, has a love of DIY and is a long-standing season ticket holder at Everton FC.

Mark Green mortgage and protection expert at Aspect Mortgages providing clear independent advice

Mark Green

CeMAP

Mortgage and Protection Expert

Mark has been a Mortgage Advisor since 2014 and has a wealth of industry knowledge and experience from previous Mortgage advisor roles working for major high street banks. He loves helping customers meet their needs whilst priding himself on delivering high levels of service. Mark likes to spend time with his family in his spare time, which mostly involves running around after his two sons. He also enjoys socialising with friends, running and is a keen Liverpool supporter.

Sue Slack mortgage and protection expert at Aspect Mortgages delivering friendly professional advice

Sue Slack

CeMAP

Mortgage and Protection Expert

Sue began working in the financial sector in 2002 as a Mortgage Administrator. This role allowed her to build a good in-depth knowledge of mortgage processes, before becoming a fully qualified Mortgage advisor in 2006. Since then she has continued to work within the mortgage sector before making the move to Aspect Mortgages. Her main focus is helping people with one of the most important transactions they are likely to make, in a professional but friendly manner.

Ranveer Bretherton Mortgage Advisor Chorley

Ranveer Bretherton

CeMAP

Mortgage and Protection Expert

Ranv has worked in financial services since 2002 and has been a Mortgage Adviser since 2021.

With more than 20 years in financial services, she has developed a strong understanding of the wider financial landscape and how to guide clients confidently through important decisions.

She enjoys helping clients at important moments in their lives, providing clear, practical advice on mortgages and protection.

Outside of work, Ranv enjoys spending time with her family and her dogs, making the most of quality time together.

Carly Skelding Managing Director at Aspect Mortgages offering trusted mortgage and protection advice

Carly Skelding

Operations Manager

Carly started in the business as an Administrator before being promoted to Case Manager and then Operations Manager. Carly keeps the business running smoothly, manages our life insurance cases and helps ensure that our service standards are met at all times. In her spare time Carly enjoys spending time with her husband and two sons – usually kicking a ball around or standing at the side of a football pitch.

Hayley Kirk case manager for Aspect Mortgages Chorley

Hayley Kirk

Mortgage and Protection Case Manager

Hayley joined Aspect Mortgages as a Case Manager in January 2026 after 11 years in the legal sector. Her background has given her strong attention to detail, excellent organisational skills and a clear understanding of how important accuracy and communication are throughout the mortgage process.

She supports our advisers behind the scenes, helping applications progress smoothly and ensuring clients receive the highest levels of service from start to finish.

Outside of work, Hayley enjoys spending time with her family and two dogs, often on long walks or camping weekends. She’s also an avid reader – once finishing six books in just ten days!

What Our Clients Say About Aspect Mortgages

Our Values

A Family Firm Built On Trust

People First

We focus on you before we look at products. This means we take time to understand your goals and your situation. The advice you receive is shaped around your life, not around targets or sales.

Clear And Simple Language

Mortgages and insurance can feel complicated, so we remove the technical terms and replace them with plain English. You always know what each option means for you.

Whole Of Market Guidance

We are independent, which means we are not tied to any one bank. We search across the market to find the right fit for you. The choice is wider, the comparison is fairer, and the outcome is designed for your needs.

Long Term Commitment

We believe in building relationships that last. Many clients return when their lives change and bring their families too. We are here not just for this year but for 5, 10, or 20 years ahead.

Family Values At Our Core

Aspect Mortgages began as a family business and that spirit remains. We treat clients with the same care and honesty that we would give to our own families.

Speak to an adviser today

Call us on 01257 812345, or drop us a message and we'll call you back

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.

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.

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.

A Lifetime Mortgage may reduce the value of your estate and could affect your entitlement to benefits. To understand the features and risks please ask us for a personalised illustration.

Your home may be repossessed if you do not keep up repayments on your mortgage.

© Copyright 2026 Aspect Mortgages Limited