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.
Fixed advice fee, paid only on completion
Our advice fee is £1,495, taken from the money released on completion. Nothing to pay upfront, and nothing to pay if your case does not go ahead.
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
Why Do People Use Equity Release? The Six Most Common Reasons
The six most common reasons people use equity release, from clearing a mortgage to helping family ...more
Later Life Planning
August 25, 2026•10 min read
What Mortgage Options Are Available if You Are Over 55?
Standard mortgages, RIO and equity release compared for over 55s. Which suits you, and why. ...more
Later Life Planning
August 25, 2026•8 min read
Using Equity Release to Boost Your Retirement Income
Could equity release boost your retirement income? Here's what you need to know before making any decisions. ...more
Lifetime Mortgages
June 06, 2026•5 min read
Can I Get Equity Release If I Have an Existing Mortgage?
Yes, you can get equity release with an existing mortgage. Here's how it works and what you need to know first. ...more
Lifetime Mortgages
June 04, 2026•5 min read
Why Are Equity Release Interest Rates Higher Than Standard Mortgages?
Why equity release interest rates are higher than standard mortgages, and what drives the difference. ...more
Lifetime Mortgages
June 04, 2026•4 min read
Is Equity Release a Mortgage?
Yes, equity release is a mortgage. Find out how it works, why it has stronger consumer protections, and what makes it so flexible. ...more
Lifetime Mortgages
June 04, 2026•6 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 500+ Google reviews. One of the most reviewed brokers in the North West
Fixed, transparent fee. £1,495, payable only on completion. Nothing upfront, can be paid out of the funds released.
What our customers say
Rated 5 stars across 500+ Google reviews, one of the most reviewed mortgage brokers in the North West.
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 £1,495 for an equity release/retirement mortgage. This fee is payable on completion and is deducted from the funds released. Nothing is payable upfront.
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: 05103801. 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