Later Life Planning
Equity release guides and advice written by our Chorley-based advisers, including Rachel Gill, one of Lancashire's most experienced equity release specialists. Clear, honest answers in plain English. When you are ready to talk through your own situation, get in touch.
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.
Recent Articles
Equity Release and Benefits - What You Could Lose and How to Protect It
by: Richard Gill BSc (Hons), Adv CeMAP, CeRER Published on: 07/04/2026Equity release can affect means-tested benefits. Find out which benefits are at risk, which are safe, and how careful planning can protect you.
Equity Release for Over 70s - What You Need to Know
by: Richard Gill BSc (Hons), Adv CeMAP, CeRER Published on: 07/04/2026Equity 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.
Equity Release and Inheritance - What Happens to Your Estate?
by: Richard Gill BSc (Hons), Adv CeMAP, CeRER Published on: 06/04/2026Worried about what equity release means for your estate? This guide from Aspect Mortgages explains the impact on inheritance, how inheritance protection works, and how to balance your needs with what you pass on.
How Much Equity Can I Release From My Home?
by: Richard Gill BSc (Hons), Adv CeMAP, CeRER Published on: 06/04/2026How much equity can you release from your home? This guide from Aspect Mortgages explains the key factors - including age, property value, and health - and how to find out your personal maximum.
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Areas We Cover
Remote advice offered nationwide.
There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £495 for a residential/buy to let mortgage or £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.
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.
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.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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