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Mortgage Broker in Southport, Merseyside
Family-run mortgage and equity release advisers based in Chorley, just down the road. Independent, whole-of-market advice for buyers and homeowners in Southport and across Merseyside and Lancashire.
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Southport is one of the most distinctive property markets in the North West. The town's wide Victorian boulevards, period properties, and proximity to the coast make it a highly desirable place to live, with a strong market for larger family homes as well as retirement and later life properties. Areas such as Birkdale, Ainsdale and Churchtown are particularly sought-after, while the town centre and Kew offer more accessible price points for first time buyers.
Average house prices in Southport sit around £195,000, though properties in Birkdale and the premium streets off Lord Street can command significantly more. Southport's distinctive mix of Victorian and Edwardian homes, period conversions and family houses in Birkdale, Ainsdale and Churchtown is part of its appeal - but it also means lender criteria on older and larger properties genuinely matter, and not every lender treats them the same way. It is also one of our stronger later life and equity release markets, given the established homeowner population. Whether you are buying your first home in Kew, moving up to a larger property, investing in the rental market, or releasing equity from a long-held family home, our advisers search the whole market across more than 90 lenders and know which lenders are comfortable with period and coastal stock.
With a good range of entry-level properties in areas like Kew and the town centre, Southport offers first time buyers a foothold in a genuinely desirable coastal town. We guide you through every stage of the process - from affordability and agreement in principle through to the day you collect your keys - clearly and without jargon.
Whether you are moving within Southport - perhaps upsizing to one of the larger homes in Birkdale or Churchtown - or relocating to the area from elsewhere, we manage the whole process. We review your existing mortgage, search the market for the best new deal, and handle your application from start to finish.
If your fixed rate deal is coming to an end, we can search more than 90 lenders to find the best available remortgage for your situation. Many Southport homeowners are surprised at the savings available when they switch - and we handle the process on your behalf.
Southport's popularity as a coastal destination, combined with its good transport links to Liverpool and Manchester, makes it an attractive market for buy to let investors. We provide whole-of-market buy to let mortgage advice for both first time landlords and experienced investors, with access to specialist lenders not available directly to the public.
Southport has a significant and growing population of older homeowners, many of whom have lived in the area for decades and have built up considerable equity in their properties. If you are aged 55 or over and are considering accessing some of that value - to supplement your retirement income, support family members, or improve your home - equity release may be worth exploring.
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 and every lifetime mortgage we recommend includes the no negative equity guarantee and the right to remain in your home for life.
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 of your home and the right to remain in it 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 be a good option for Southport homeowners who want to release equity while keeping their monthly outgoings predictable in retirement.
If your current mortgage is coming to an end and you are approaching or in retirement, we can review your options and search the market for the most suitable product - whether that is a standard remortgage, a retirement interest only mortgage, or a lifetime mortgage.
Already have an equity release plan in place? We can assess your existing arrangement and advise whether switching, updating, or retaining your current plan is the right course of action for your circumstances.
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 470+ Google reviews. One of the most reviewed brokers in the North West
Fixed, transparent fee. One flat fee, no surprises.
Do you charge a fee for mortgage advice?
Yes, there is a fee for mortgage advice, and we are always clear about it upfront with no surprises. The exact amount depends on your circumstances, but as a guide it is typically £495 for a residential or buy to let mortgage and £1495 for a lifetime equity release mortgage. The exception is a like-for-like product transfer - switching to a new rate with your existing lender without changing the loan - for which there is no client fee. We will always confirm any fee before you commit to anything.
Do I have to come to your office, or can we speak remotely?
Whatever suits you. You are welcome to meet us in person at our Chorley office, but many of our clients prefer to speak by phone or video call. We work with people across the whole of the UK, so you can get the same whole-of-market advice wherever you are.
What does whole-of-market mean, and why does it matter?
It means we can compare deals from across more than 90 lenders, rather than being tied to one bank or a limited panel. As independent advisers we work for you, not the lender, so we search the market to find the most suitable mortgage for your circumstances - including deals you would not find on the high street.
How much can I borrow, and how do I find out?
How much you can borrow depends on your income, outgoings, deposit and credit history, and lenders assess these differently. The best way to find out is a quick, no-obligation chat - we will look at your situation and give you a realistic figure to work with before you start viewing properties.
Can older or non-standard properties affect my mortgage in Southport?
Yes - period and coastal properties sometimes need specialist lenders, and we know which ones are comfortable with them, so a non-standard home does not have to mean a dead end.
Do you advise on equity release in Southport?
Yes. Southport has many long-settled homeowners, and we provide whole-of-market later life and equity release advice as members of the Equity Release Council.
What our customers say
Rated 5 stars across 470+ Google reviews, one of the most reviewed mortgage brokers in the North West.
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Call us on 01257 812345, or drop us a message and we will 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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