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Mortgage Broker in Skelmersdale, Lancashire
Family-run mortgage and equity release advisers based in nearby Chorley. Independent, whole-of-market advice for buyers and homeowners in Skelmersdale and across Lancashire.
Independent mortgage advice from a family firm based in Chorley, serving clients across the region and nationwide
We can meet you in person at our central Chorley office, or speak with you by phone or video call — whatever suits you best.
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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 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
We're rated 5 stars across hundreds of Google reviews — here's what some of our clients have said about working with us.
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Call us on 01257 812345, or drop us a message and we'll call you back
Areas We Cover
Preston, Chorley, Leyland, Bamber Bridge, Southport, Skelmersdale, Ormskirk, Wigan, Buckshaw Village, Worsley, Sale, Prestwich, Cheadle, Marple and Bolton. 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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