Expert Equity Release Advice in Lancashire and the North West

Age 55 or over and considering equity release? Welcome to Aspect Mortgages — a family run firm based in Chorley, Lancashire, who have been putting trust, care and understanding at the heart of our mortgage and equity release services since 2004. We provide honest, independent advice to homeowners across Preston, Southport, Lancashire and the North West, helping you understand your options clearly, without pressure or jargon.

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Proud Member of the Equity Release Council

We strictly adhere to the Council's Code of Conduct, ensuring you are protected by the No Negative Equity Guarantee and have the Right to Remain in your home for life. Your safety and security are our top priority.

An older couple reviewing lifetime mortgage documents with peace of mind in their living room.

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're looking to supplement your retirement income, help your family or make improvements to your home, our friendly local team is here to guide you every step of the way.

Learn More About Us

Explore Your Options

As life evolves, so do your needs. Explore our guides and tools to make an informed decision.

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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.

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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.

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How it Works

Unsure where to start? This step by step guide walks you through everything from the first chat to receiving your funds.

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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.

Check Eligibility
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Safeguards & Risks

Your safety is our priority. Learn about the No Negative Equity Guarantee and other policies that protect you.

Have Questions?

Our family-led team is ready to answer them, jargon-free.

What Our Clients Say About Aspect Mortgages

★ ★ ★ ★ ★

My husband and I were advised to contact Aspect Motgages, due to needing a lifetime mortgage, as life had thrown us a bad curve ball just as our retirement was approaching. I cannot begin to explain how Rachel Gill from Aspect Mortgages, supported us both, throughout this awful time. Rachel was always professional, diligent, friendly and truely cared about our situation. Nothing was to much trouble. We were updated at every step of the way. Our concerns were always addressed and explained. The whole process of obtaining a lifetime mortgage was seamless, from applying to the valuation through to the Solicitors. Even these professionals, who Rachel recommended, have received a 5 star review from us. Superb service from start to finish. Wish I could give more than 5 stars. Highly recommended. Thank you Rachel

Mrs Pallister
Manchester
★ ★ ★ ★ ★

I met Richard Gill to discuss an issue I had with no experience whatsoever, no idea which way to turn and from the very start I was put at ease to the very end of my business. In my circumstances my dealings took some 2 years to complete and Richard was there all the way, nothing was too much trouble for him. A very professional and true gentleman.

Mr Illingworth
Chorley, Lancashire
★ ★ ★ ★ ★

I have always had great advice with regards to mortgages from Richard and Rachel at Aspect Mortgages. Would highly recommend them with their personal service from start to finish. Help and advice all the way and just a phone call away. 5 stars for a wonderful service

Mrs Crook
Preston, Lancashire

Ready to Find Out If Equity Release Is Right for You?

Taking the first step can feel daunting, but it doesn't have to be. Our friendly, independent advisers are here to listen, answer your questions and explain your options clearly with no pressure and no jargon. We can meet you at home, at our Chorley office, or via video call, whichever suits you best. Get in touch today for a no-obligation conversation.

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 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.

Fees

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.

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.