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Mortgage & Equity Release advice in Skelmersdale, Lancashire
Aspect Mortgages provides independent, whole-of-market mortgage and equity release advice to homeowners and buyers across Skelmersdale and the surrounding West Lancashire area. Based in nearby Chorley, our advisers know the local area well and are available to meet in person or to help you entirely by phone and video call. We are FCA authorised, established since 2004, and rated 5 stars across more than 365 Google reviews.
Skelmersdale is one of Lancashire's most affordable property markets, which makes it particularly attractive for first time buyers and those looking to get more for their money. Originally developed as a new town in the 1960s to house overspill from Liverpool and Manchester, the town has evolved considerably and today offers a wide range of housing — from modern estates in areas like Tanhouse and Digmoor to newer developments on the edges of the town.
Average house prices in Skelmersdale sit around £140,000 — among the lowest in Lancashire — making it one of the most accessible entry points onto the property ladder in the region. Despite its affordability, the town benefits from good road links via the M58, putting both Liverpool and Wigan within easy commuting distance. Our advisers search the whole market across more than 90 lenders to find the right mortgage for your situation.
With some of the most affordable properties in Lancashire, Skelmersdale is an excellent starting point for first time buyers. 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 jargon.
Whether you are moving within Skelmersdale, upsizing to a larger property in the surrounding area, or relocating to West Lancashire, we manage both sides of the process. We review your existing mortgage and search the whole market for the best available new deal.
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 Skelmersdale homeowners are paying more than they need to by staying on their lender's standard variable rate — we make switching simple.
Skelmersdale's low property prices and steady rental demand make it an interesting market for buy to let investors seeking strong yield potential. We provide whole-of-market buy to let mortgage advice for both first time landlords and those expanding an existing portfolio, with access to specialist lenders not available directly to the public.
Many homeowners in Skelmersdale and across West Lancashire have owned their properties for a number of years and have built up meaningful equity, even in a lower price market. If you are aged 55 or over and are considering accessing some of that value — to supplement your retirement income, help 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. 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.
A mortgage where you pay the interest each month and the loan is repaid when the property is eventually sold. This can suit Skelmersdale homeowners who want to access 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.
Why Skelmersdale 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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