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Mortgage & Equity Release advice in Southport
Aspect Mortgages provides independent, whole-of-market mortgage and equity release advice to homeowners and buyers across Southport and the surrounding area. Our Chorley offices are within easy reach via the A59, and our advisers 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.
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. Whether you are buying your first home, moving up the ladder, or looking to invest in the rental market, our advisers search the whole market across more than 90 lenders to find the right mortgage for your circumstances.
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 Southport 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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