Mortgage Guides & Advice
Practical, plain English guides written by our Chorley-based advisers, covering everything from buying your first home to reviewing your mortgage. When you are ready to act on what you have read, our mortgage advice service is here to help.
Recent Articles
Getting a Mortgage With Just One Year's Accounts
by: Sue Slack CeMAPPublished on: 05/08/2026Newly self-employed? How to get a mortgage with one year's accounts and what lenders want to see.
A First-Time Landlord's Guide to Buy-to-Let Mortgages
by: Ranveer Bretherton CeMAPPublished on: 05/08/2026A first-time landlord's guide to buy-to-let mortgages: deposits, rental cover, costs and tax.
Should I pay exit fees to switch to a better mortgage rate?
by: Ranveer Bretherton CeMAPPublished on: 07/07/2026Thinking of paying an exit fee to switch rates? Here's how to weigh the costs before deciding.
Using the Lifetime ISA to Buy Your First Home
by: Mark Green CeMAPPublished on: 06/07/2026How the Lifetime ISA works for first-time buyers, plus the changes coming from 2028.
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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: 05103801. 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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