Equity Release Advice Tailored to You
Independent equity release advice from a family-run Chorley firm, established in 2004. We work with homeowners aged 55 and over across Lancashire, Greater Manchester and nationwide, helping you understand your options clearly and without pressure.
Proud Member of the Equity Release Council
As members, every lifetime mortgage plan we recommend includes the No Negative Equity Guarantee and the Right to Remain in your home for life. Both protections are built into every ERC-approved plan as part of the Council's Code of Conduct.
Honest Advice Without the Pressure, Just How It Should Be
Based in Chorley, Lancashire, we provide trusted equity release advice to homeowners across the North West including Manchester, Southport, Preston and beyond. Whether you are looking to supplement your retirement income, fund home improvements, or help family members financially, we will explain every option clearly and recommend a plan only when it is right for you. If equity release is not the right solution, we will tell you, and we can discuss remortgaging or other alternatives instead.
Explore Your Options
As life evolves, so do your needs. Explore our guides and tools to make an informed decision.
Beginners' Guide
Start here if you are just beginning your research. We break down what equity release is and how it enables you to access cash.
Later Life Options
It is not just about one product. From Lifetime Mortgages to Retirement Interest Only plans, discover the different ways you can borrow.
How it Works
Unsure where to start? This step by step guide walks you through everything from the first chat to receiving your funds.
Is It Right For You?
Find out who is eligible, how it affects inheritance and what alternatives you should consider. We help you weigh the pros and cons.
Safeguards & Risks
Your safety is our priority. Learn about the No Negative Equity Guarantee and other policies that protect you.
Have Questions?
For further reading, our later life planning guides cover equity release in depth — from how plans work to the risks, alternatives, and real client case studies. Ready to take the next step? Speak to one of our advisers for a no-obligation conversation.
Equity release guides and information
How Long Does Equity Release Take From Start to Finish?
Equity release typically takes 6 to 12 weeks from first appointment to completion. Here is what happens at each stage and what can affect the timeline. ...more
Lifetime Mortgages
April 07, 2026•4 min read
What to Expect From an Equity Release Appointment
Not sure what happens at an equity release appointment? This guide walks you through the process so you know exactly what to expect. ...more
Later Life Planning
April 07, 2026•4 min read
Using Equity Release to Pay for Care at Home
Equity release can help fund care at home so you can stay independent for longer. Find out how it works and what to consider before proceeding. ...more
Lifetime Mortgages
April 07, 2026•5 min read
Equity Release and Benefits - What You Could Lose and How to Protect It
Equity release can affect means-tested benefits. Find out which benefits are at risk, which are safe, and how careful planning can protect you. ...more
Later Life Planning
April 07, 2026•4 min read
Can I Move Home If I Have a Lifetime Mortgage?
Yes - most lifetime mortgages are portable. Find out how moving home works when you have equity release and what conditions apply. ...more
Later Life Planning
April 07, 2026•4 min read
Equity Release for Over 70s - What You Need to Know
Equity release is often more accessible in your 70s, not less. Find out what changes, what improves, and what to consider at this stage of life. ...more
Lifetime Mortgages
April 07, 2026•5 min read
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Why Choose Aspect Mortgages?
Independent and FCA regulated. We work for you, not for the lender
Proud member of the Equity Release Council, giving you the No Negative Equity Guarantee and the right to remain in your home for life
Whole of market access. We search all leading equity release lenders to find the right plan for you
Family run since 2004 with over 100 years of combined team experience
No pressure, no rush. Complex decisions explained clearly, at a pace that suits you
Family involvement welcome. We actively encourage family members to be part of the conversation
Rated 5 stars across 460+ Google reviews. One of the most reviewed brokers in the North West
Fixed, transparent fee. One flat fee, no surprises
What Our Clients Say
We're rated 5 stars across hundreds of Google reviews - here's what some of our clients have said about working with us.
Meet the team
Richard Gill
BSc (Hons), Adv CeMAP, CERER
Managing Director
Rachel Gill
BA (Hons), CeMAP, CERER
Director and Equity Release Adviser
Neil Massam
CERT PFS, CERT CII (MP)
Mortgage and Equity Release Adviser
Carly Skelding
Operations Manager
Find out what equity release could do for you.
We can meet at our Chorley office, at your home, or by video call, whichever suits you best. Call us on 01257 812345 or drop us a message and we'll get back to you.
Fees
Important Information
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.
There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £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 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.
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