Planning for later life can bring up important financial questions—whether it’s about unlocking money from your home, managing retirement income, or supporting loved ones. At Aspect Mortgages, we offer expert advice on later-life lending solutions including equity release and retirement interest-only (RIO) mortgages. These options can help you access the value tied up in your property, giving you greater flexibility in retirement—whether that’s for home improvements, gifting to family, or simply enjoying life.

We take the time to understand your goals and explain your options clearly, so you can make informed decisions with confidence. As fully qualified, independent advisors, we’ll guide you through every step—from initial discussions to legal completion—making sure any recommendation is safe, suitable, and tailored to your long-term needs. Whether you’re exploring equity release for the first time or looking to remortgage in later life, we’re here to help you make the most of your home and your future.

At Aspect Mortgages, we’re proud members of the Equity Release Council—the industry body that sets the highest standards for later-life lending. This membership means our clients benefit from added protection, clear communication, and responsible advice when considering equity release. You can have peace of mind knowing that our recommendations are backed by a strict code of conduct and designed with your long-term wellbeing in mind.

Being part of the Equity Release Council means we only recommend products that come with important safeguards, such as the no negative equity guarantee and the right to remain in your home for life. We believe in honest, transparent advice with your best interests at heart—never pressure, never shortcuts. With Aspect Mortgages, you’ll get trusted support every step of the way as you explore your later-life lending options.

All of our later-life advisors hold the specialist qualifications required to arrange equity release mortgages and you can find us on the Equity Release Council register

Equity release allows homeowners aged 55 and over to access some of the wealth tied up in their property without having to move. The amount you can borrow is primarily based on your age and the value of your home—generally, the older you are, the more you may be able to release. In some cases, your health and lifestyle can also be taken into account, which may increase the amount available through what's known as an enhanced plan.

At Aspect Mortgages, we’ll carefully assess your personal circumstances to find the most suitable option for you. We’ll explain how much you could release, what it could mean for your long-term plans, and any impact on your estate or means-tested benefits. As members of the Equity Release Council, we ensure every recommendation meets strict standards and includes essential consumer protections—so you can make informed choices with confidence and clarity.

At Aspect Mortgages, we believe in offering a personal service that works around you. That’s why we’re happy to meet you wherever you feel most comfortable—whether that’s in your own home or at our welcoming offices in Chorley. We’ll take the time to explain everything clearly, answer your questions, and guide you through your options at your pace.

We understand that later-life lending decisions are significant, so we make sure you have the time, space, and support to get it right. Whether you prefer a relaxed chat over a cup of tea at home or a private appointment in our office, we’ll be there to help. Our aim is to make the whole process reassuring, clear, and completely tailored to your needs.

When you choose Aspect Mortgages for later-life lending advice, you’re not just getting expert guidance—you’re also gaining important protections designed to give you peace of mind. As members of the Equity Release Council, all the products we recommend come with built-in safeguards, including the no negative equity guarantee (you’ll never owe more than your home’s value) and the right to remain in your home for life, provided it remains your main residence.

In addition, we ensure that all advice is tailored, transparent, and fully documented so you and your family can make informed decisions with confidence. All plans we recommend must go through independent legal advice, and we take time to ensure you fully understand every aspect of your agreement—there’s never any pressure or obligation. From your first conversation to completion and beyond, we’re committed to protecting your interests every step of the way.