Buying your first home is an exciting milestone, but it can also feel overwhelming with so many steps, forms, and decisions to make. That’s where we come in. At Aspect Mortgages, we specialise in guiding first-time buyers through the entire mortgage process—clearly, patiently, and without jargon. Whether you’re just starting to save for a deposit or ready to put in an offer, we’ll explain your options and help you find the right deal for your circumstances.

As independent advisors, we’re not tied to any lender—our only focus is finding the mortgage that’s best for you. We’ll work with you every step of the way, from your initial budget planning to getting the keys in your hand. And because we don’t believe in pushy sales tactics, you’ll always get honest, expert advice that puts your needs first. Let us help make your first step onto the property ladder a confident one.

Your protection needs can change over time—and your insurance cover should keep up. Whether you've moved home, started a family, changed jobs, or your mortgage has decreased, it's important to review your life, critical illness, and income protection policies regularly. This ensures that your cover still reflects your current financial responsibilities and provides the right level of support for you and your loved ones.

At Aspect Mortgages, we offer regular protection reviews to make sure your plans are still suitable, cost-effective, and aligned with your goals. We’ll check for any gaps in cover, explore better-value options, and explain everything clearly—so you can have peace of mind that you’re fully protected, whatever life brings.

If you're moving home and want to keep your existing mortgage deal, we can help you explore the option of porting your current mortgage to your new property. As long as your circumstances still meet your lender’s criteria, porting can be a cost-effective and convenient way to take your current rate with you—avoiding early repayment charges and the need to start a new deal from scratch.

If your situation has changed and you no longer meet your lender’s requirements, don’t worry—we’ll guide you through all your alternatives. As whole-of-market advisors, we can look at a wide range of lenders and products to find a solution that suits your new plans. Whether you can port or need a fresh approach, we’re here to make your move as smooth and stress-free as possible.

If you’re looking to raise additional funds—whether for home improvements, helping family members onto the property ladder, or a major purchase—we can help you assess the best way forward. One option is to apply to borrow more from your existing lender, often known as a further advance. If your circumstances and affordability still meet the lender’s criteria, this can be a straightforward and cost-effective solution.

If a further advance isn’t suitable or available, we can also explore a second charge mortgage—essentially a separate loan secured against your home alongside your existing mortgage. This can be a flexible way to access funds without disturbing your current deal. At Aspect Mortgages, we’ll clearly explain the pros and cons of each route and help you choose the right option based on your needs and long-term goals.

Absolutely! We love it when our clients recommend us—it’s the biggest compliment we can receive. If you’ve had a positive experience with Aspect Mortgages and know someone who could benefit from our expert, friendly advice, we’d be delighted to help them too.

Referring a friend is easy—just ask them to mention your name when they get in touch, or pass their details to us (with their permission), and we’ll take care of the rest. You can also send us their details quickly and securely using the button at the bottom of this page. Thank you!