Aspect Mortgages provides independent, whole-of-market mortgage and equity release advice to homeowners and buyers across Prestwich and the surrounding area. Our Chorley office is accessible via the M60 and M61, and our advisers are available to meet in person or to help you entirely by phone and video call. FCA authorised, established since 2004, and rated 5 stars across more than 400 Google reviews.
Prestwich has earned a well-deserved reputation as one of Greater Manchester's most appealing places to live. Named one of the best places to live in the UK by the Times in 2024 and described as "cool, calm and connected," the town combines excellent green spaces - including the vast Prestwich Forest Park - with a vibrant independent food and drink scene, strong schools, and outstanding transport links into Manchester city centre via the Metrolink. That combination has driven a surge in demand from young professionals and families, pushing property values steadily upward while the area retains a genuine community feel.
Average house prices in Prestwich sit around £300,000 to £350,000, with larger detached homes in the more sought-after streets and the areas around Heaton Park commanding considerably more. Whether you are buying your first home, moving up the ladder, remortgaging, or investing, our advisers search the whole market across more than 90 lenders to find the right mortgage for your circumstances.

Whether you are upsizing within Prestwich, moving from a neighbouring area such as Whitefield, Bury, or Salford, or relocating to the area for the first time, we manage both sides of the mortgage process. We review your existing deal, search the whole market for the best available new mortgage, and handle your application from start to finish.

Prestwich offers first time buyers an accessible entry point into one of Greater Manchester's most desirable and fast-rising markets. We guide you through every stage of the process - from your initial affordability check and agreement in principle through to the day you collect your keys - clearly and without pressure.

If your fixed rate is coming to an end, we can search more than 90 lenders to find the best available remortgage deal for your circumstances. Many Prestwich homeowners are paying more than they need to by rolling onto their lender's standard variable rate - we make switching straightforward and take care of the process on your behalf.

Prestwich's growing popularity, strong Metrolink connections, and sustained rental demand from Manchester professionals make it a compelling market for buy to let investors. We provide whole-of-market advice for both new and experienced landlords, with access to specialist lenders not available directly to the public.

Many Prestwich homeowners have owned their properties for a number of years and have seen their values rise considerably. If you are aged 55 or over and are considering accessing some of that equity - whether to supplement your retirement income, support family members financially, fund home improvements, or simply enjoy greater financial flexibility - 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. Every lifetime mortgage we recommend includes the no negative equity guarantee and the right to remain in your home for life. Richard, Rachel, and Neil are each individually registered Equity Release Council members and fully qualified to advise on equity release.

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 suit Prestwich homeowners who want to release 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 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.

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 North West families.
Rated 5 stars across more than 400 Google reviews - one of the most reviewed mortgage firms in the North West.
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.
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, Buckshaw Village, Worsley, Sale, Prestwich, Cheadle, Marple and Bolton.
We offer specialist mortgage and financial advice across a wide range of needs, including first-time buyers, home movers, remortgages, buy-to-let, product transfers, self-employed applicants, contractors, professionals, NHS workers, large loans, adverse credit and equity release.
Share your goals and get straight answers from a trusted adviser.
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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