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
Why Do People Use Equity Release? The Six Most Common Reasons
by: Neil Massam CertPFS, CertCII (MP)Published on: 25/08/2026The six most common reasons people use equity release, from clearing a mortgage to helping family
What Mortgage Options Are Available if You Are Over 55?
by: Neil Massam CertPFS, CertCII (MP)Published on: 25/08/2026Standard mortgages, RIO and equity release compared for over 55s. Which suits you, and why.
What to Expect From an Equity Release Appointment
by: Rachel Gill BA (Hons), CeMAP, CeRERPublished on: 07/04/2026Not sure what happens at an equity release appointment? This guide walks you through the process so you know exactly what to expect.
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.
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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 £1,495 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: 05103801. 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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