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
How Long Does Equity Release Take From Start to Finish?
by: Rachel Gill BA (Hons), CeMAP, CeRERPublished on: 07/04/2026Equity release typically takes 6 to 12 weeks from first appointment to completion. Here is what happens at each stage and what can affect the timeline.
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.
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.
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.
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Areas We Cover
Preston, Chorley, Leyland, Bamber Bridge, Southport, Skelmersdale, Ormskirk, Wigan, Buckshaw Village, Worsley, Sale, Prestwich, Cheadle, Marple and Bolton. 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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