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Mortgage & Equity Release advice in preston, Lancashire
Aspect Mortgages provides independent, whole-of-market mortgage and equity release advice to homeowners and buyers across Preston and the surrounding area. We are an FCA authorised firm with over 20 years of experience, rated 5 stars across more than 365 Google reviews. Whether you are buying your first home in Fulwood, remortgaging in Penwortham, or exploring equity release options in the city, our advisers are here to help - in person, or nationwide by phone and video call.
Our advisers have helped hundreds of Preston families and buyers navigate the mortgage process. We search the whole market across more than 90 lenders to find the right deal for your circumstances, and we stay with you from your first conversation through to the day you get your keys.
As Lancashire's largest city, Preston is one of the most active property markets in the North West. From the family homes of Fulwood and Grimsargh to the terraced streets closer to the city centre, and the sought-after villages of Barton and Woodplumpton on the outskirts, the Preston area offers a wide range of properties at all price points. Average house prices in Preston sit around £185,000 — making it an accessible market for first time buyers while still offering strong value for those moving up the ladder or investing in buy to let.
Buying your first home in Preston is an exciting step and we are here to make it as straightforward as possible. We explain your options clearly, help you understand what you can afford, and guide you through every stage from your first affordability check to the day you collect your keys.
Moving home in and around Preston — whether you are upsizing for a growing family, downsizing, or relocating to the area — involves both selling your existing home and securing a new mortgage. We help you manage both sides of the process, reviewing your current deal and searching the market for the best new arrangement.
If your fixed rate is coming to an end or you want to review your current mortgage, we can search the whole market to find a new deal. Many Preston homeowners are surprised at the savings available when they switch — and we handle the application on your behalf.
Preston has a strong rental market, driven in part by the University of Central Lancashire and a growing professional population. Whether you are a first-time landlord or expanding an existing portfolio, we provide whole-of-market buy to let mortgage advice tailored to your investment goals.
Many homeowners in Preston and the surrounding area have built up significant equity in their properties over the years. If you are aged 55 or over and want to access some of that value — to supplement your retirement income, support your family, or make improvements to your home — equity release may be worth exploring.
Aspect Mortgages is a proud member of the Equity Release Council, the body that sets the highest standards for later life lending. Our specialist 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.
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 Preston 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 Preston Clients Choose Aspect Mortgages
Independent and whole-of-market — we search more than 90 lenders to find the right deal for you, not the most profitable one for us.
FCA authorised and regulated, with over 20 years of experience helping Lancashire families.
Rated 5 stars across more than 365 Google reviews — one of the most reviewed mortgage firms in Lancashire.
Proud members of the Equity Release Council, with specialist later life advisers on our team.
Flexible appointments — meet us in person at our Chorley office, or speak to us from home by phone or video call.
A fixed fee of £495 for residential and buy to let mortgages, or £1495 for an equity release mortgage/retirement mortgage with no hidden charges.
What Our Clients Say About Aspect Mortgages
Aspect Mortgages is based in Chorley, Lancashire, but we work with clients nationwide. Whether you prefer to meet us in person at our offices or speak with one of our advisers by phone or video call, we can help you wherever you are in the UK.
We have particular experience serving homeowners and buyers across Lancashire and Greater Manchester, including Preston, Chorley, Leyland, Bamber Bridge, Southport, Skelmersdale, Ormskirk, Wigan and Bolton.
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Fees
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.
Important Information
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 or Estate Planning.
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.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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