Live Mortgage Rates
Use our live mortgage calculator to check what rates are available to you right now. Answer five quick questions, and we'll show you personalised offers based on your situation
What Happens Next?
Get your live rates instantly. The calculator searches available mortgage deals in real time based on your answers, with no credit check required.
Choose whether to enquire. If you see a rate you're interested in, you can submit an enquiry directly. There's no obligation and no pressure.
We'll be in touch. One of our advisers will contact you to discuss your options, answer any questions and guide you towards the right deal for your circumstances.
Receive your Agreement in Principle. We'll manage the AIP process for you through our secure client portal, keeping everything in one place and easy to access.
Advice that works around you. We offer appointments by phone, video call, or in person at our Chorley offices, whichever suits you best.
Frequently Asked Questions
Will checking my rate affect my credit score?
No. The calculator is based on your property details only and doesn't require any personal financial information, so there's no credit check involved at all.
How accurate are the rates shown?
The rates shown are live and updated in real time from lenders we work with. The figures are based on the information you provide, so the more accurate your answers, the more relevant your results will be.
Will I be contacted after checking my rate?
Only if you choose to be. The calculator doesn't require you to provide any contact details — you can check your rates completely anonymously. If you'd like us to get in touch to discuss your options, you'll have the opportunity to share your details at the end.
Why should I use a broker instead of going direct to a lender?
A broker searches the whole market on your behalf, including deals not available directly to the public. This often means access to better rates and a smoother application process.
How do I get an Agreement in Principle?
Once you've checked your live rates, the next step is an Agreement in Principle (AIP). This is a conditional indication from a lender of how much they'd be willing to lend you, and is often required before making an offer on a property. Simply get in touch with us after using the calculator and we'll guide you through the process. Unlike the rate calculator, an AIP does require a credit check and some personal and financial information, which we'll collect securely when you speak with us.
Why Choose Aspect Mortgages?
Independent and FCA regulated. We work for you, not for the lender
Whole of market access across 90+ lenders and leading insurers
Family run since 2004 with over 100 years of combined team experience
Local office, national reach. Serving clients across Lancashire, Greater Manchester and nationwide.
Real people, no jargon. Plain English, at your pace
Rated 5 stars across 460+ Google reviews. One of the most reviewed brokers in the North West
Fixed, transparent fee. One flat fee, no surprises.
What Our Clients Say
We're rated 5 stars across hundreds of Google reviews — here's what some of our clients have said about working with us.
Speak to an adviser today
Call us on 01257 812345, or drop us a message and we'll call you back
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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