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Mortgage Broker in Chorley, Lancashire
Family-run mortgage and equity release advisers based here in Chorley. Independent, whole-of-market advice for buyers and homeowners in Chorley and across Lancashire.
Independent mortgage advice from a family firm based in Chorley, serving clients across the region and nationwide
We can meet you in person at our central Chorley office, or speak with you by phone or video call — whatever suits you best.
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Chorley is one of Lancashire's most popular places to live, and for good reason. The town sits at the heart of excellent transport links - the M6, M61 and M65 all within easy reach - making it a natural choice for commuters to Manchester, Preston and beyond. The property market reflects this appeal, with a broad mix of homes from the characterful terraces of the town centre and Adlington to the larger family homes of Euxton, Buckshaw Village, Whittle-le-Woods and Eccleston.
Average house prices in Chorley sit around £210,000, though Buckshaw Village and the villages to the south of the town can command significantly more. Whether you are buying your first home, moving up the ladder, or adding to a buy to let portfolio, our advisers know this market well and can help you find the right mortgage from across the whole of the market.
Chorley offers some of the most accessible entry-level properties in Lancashire, making it a great place to take your first step onto the housing ladder. We guide first time buyers through every stage of the process - from understanding how much you can borrow to the day you pick up your keys - in plain English, without the jargon.
Whether you are upsizing from a starter home in town to a larger property in Euxton or one of Chorley's surrounding villages, or relocating to the area entirely, we make the process as smooth as possible. We review your existing mortgage, search the whole market for the best new deal, and manage your application from start to finish.
If your fixed rate is coming to an end, now is the time to act. Many Chorley homeowners are leaving money on the table by rolling onto their lender's standard variable rate. We search more than 90 lenders to find the best available deal for your circumstances and handle the switch on your behalf.
Chorley's strong rental demand - particularly around Buckshaw Village and the town centre - makes it an attractive area for property investors. We provide whole-of-market buy to let mortgage advice for both new landlords and those expanding an existing portfolio, with access to specialist lenders not available on the high street.
Many Chorley homeowners who have lived in the area for a number of years have built up significant equity in their properties. If you are aged 55 or over, equity release may offer a way to access some of that value - to boost your retirement income, support your children or grandchildren, carry out home improvements, or simply enjoy greater financial freedom.
As a proud member of the Equity Release Council, Aspect Mortgages adheres to the highest standards of later life lending advice. Our specialist advisers are fully qualified, listed on the Equity Release Council register, and based right here in Chorley - so you can meet us in person, at a time that suits you.
A loan secured against your home that does not need to be repaid until the property is sold - usually when you pass away or move into long term care. You keep full ownership and the right to remain in your home for life, with the no negative equity guarantee ensuring you will never owe more than your home is worth.
A mortgage where you pay the interest each month and the loan is repaid when the property is eventually sold. This can suit Chorley homeowners who want the benefit of releasing equity while keeping their monthly outgoings manageable in retirement.
If your current mortgage is coming to an end and you are approaching or in retirement, we can review your options carefully and search the market for a product that fits your situation - whether that is a standard remortgage, a retirement interest only mortgage, or a lifetime mortgage.
Already have an equity release plan in place? It is always worth reviewing it periodically to make sure it still meets your needs. We can assess your existing arrangement and advise whether switching, updating, or retaining your current plan is the right course of action.
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.
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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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