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
Using Equity Release to Pay for Care at Home
by: Neil Massam CertPFS, CertCII (MP)Published on: 07/04/2026Equity release can help fund care at home so you can stay independent for longer. Find out how it works and what to consider before proceeding.
Can I Move Home If I Have a Lifetime Mortgage?
by: Neil Massam CertPFS, CertCII (MP)Published on: 07/04/2026Yes - most lifetime mortgages are portable. Find out how moving home works when you have equity release and what conditions apply.
Can I Get Equity Release If I Still Have a Mortgage?
by: Neil Massam CertPFS, CertCII (MP)Published on: 07/04/2026Yes, but your existing mortgage must usually be repaid first. Find out how it works and whether equity release could be right for you.
What Is the Equity Release Council and Why Does It Matter?
by: Neil Massam CertPFS, CertCII (MP)Published on: 06/04/2026The Equity Release Council sets the consumer protection standards for equity release in the UK. This guide from Aspect Mortgages explains what it is, what protections it provides, and why membership matters.
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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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