Mortgage Broker in Lancashire
Independent mortgage and equity release advisers based in Chorley. We cover Preston, Leyland, Ormskirk, Southport and towns across Lancashire, with whole-of-market advice from 90+ lenders.
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Aspect Mortgages is based at 16 St Thomas's Road in Chorley, in the heart of Lancashire. We have been advising buyers and homeowners across the county since 2004, and our advisers have over 100 years of combined experience between them.
Lancashire's property market is one of the most varied in the North West. Prices range from around £130,000 for terraced homes in towns like Skelmersdale and Bamber Bridge to well over £400,000 for detached family homes in sought-after areas like Longton, Barton and the villages around the Ribble Valley. Whether you are buying your first home in Preston, remortgaging in Ormskirk or exploring equity release in Southport, we provide the same straightforward, whole-of-market advice to every client.
We are not a call centre. When you get in touch, you deal with an experienced adviser directly, not an algorithm.
Buying your first home in Lancashire is a big step. We walk you through affordability, help you understand your options and handle the application from start to finish. Many of our advisers were first-time buyers themselves not long ago.
Moving up or downsizing across Lancashire involves managing your existing mortgage alongside finding a new one. We review both sides of the transaction and search the whole market for the right arrangement.
If your fixed rate is ending or you want to review your current deal, we search 90+ lenders to find a better rate. Most Lancashire clients who remortgage through us are surprised at what is available.
Lancashire has a strong and varied rental market, from student lets near UCLan in Preston to professional tenants in Chorley and Leyland. We advise first-time landlords and experienced investors alike.
Towns We Cover Across Lancashire
Our home town and office base. Central Lancashire's most accessible location, with strong demand from families and commuters.
Lancashire's largest city. An active property market with a wide range of prices, from first-time buyer terraces to family homes in Fulwood and Grimsargh.
A popular choice for families and commuters. Well-connected to both Preston and Chorley, with strong demand for semi-detached and detached homes.
Situated between Preston and Chorley, Bamber Bridge offers good value for first-time buyers and home movers looking for easy access to both towns.
One of the largest new-build developments in the North West. We have extensive experience advising buyers purchasing new-build homes and understand the specific mortgage requirements involved.
A market town with a strong local identity and good transport links. Popular with Edge Hill University staff and students, as well as families relocating from Merseyside.
A distinctive coastal market with a mix of Victorian and Edwardian properties, retirement buyers and a healthy buy-to-let sector. We advise clients across all age groups here.
One of the most affordable property markets in Lancashire, making it a regular destination for first-time buyers and landlords seeking strong rental yields.
Many Lancashire homeowners who bought in the 1980s and 1990s have built up significant equity in their properties. If you are aged 55 or over and want to access some of that value, equity release may be worth exploring.
Aspect Mortgages is a member of the Equity Release Council, the body that sets the standards for later life lending. Our advisers hold the qualifications required to give equity release advice, and every lifetime mortgage we recommend includes the no negative equity guarantee and the right to remain in your home for life.
We advise clients across Lancashire on lifetime mortgages, retirement interest-only mortgages and later life remortgaging.
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. This is the most popular form of equity release for Lancashire homeowners.
A type of mortgage where you pay the interest each month and the loan itself is repaid in the future when the property is sold. This can suit homeowners who want to keep regular payments manageable while staying in their home long term.
If your current mortgage deal is coming to an end and you are approaching or in retirement, we can review your options and search the market for a product that fits your circumstances - whether that is a standard remortgage or a later life lending solution.
If you already have an equity release plan in place, it is 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 move.
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
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Speak to an adviser today
Call us on 01257 812345, or drop us a message and we'll call you back
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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