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
Retirement Interest Only Mortgages Explained - How They Work and Who They Suit
by: Richard Gill BSc (Hons), Adv CeMAP, CeRER Published on: 13/04/2026A clear guide to retirement interest only mortgages - how they work, the basic criteria, and whether they could be the right option for you.
Why Has the War in the Middle East Pushed Up Mortgage Rates?
by: Richard Gill BSc (Hons), Adv CeMAP, CeRER Published on: 08/04/2026The Middle East conflict has pushed mortgage rates higher in the UK. Here is why - and what it means if you are buying, remortgaging, or coming off a fixed rate.
How UK Mortgages Are Priced - and Why the Bank of England Base Rate Matters
by: Richard Gill BSc (Hons), Adv CeMAP, CeRER Published on: 04/02/2026Wondering why your mortgage rate is what it is? This plain English guide from Aspect Mortgages explains how UK mortgage pricing works, what the Bank of England base rate really means, and what affects your deal.
Green Mortgages Explained - How Energy Efficiency Can Save You Money
by: Richard Gill BSc (Hons), Adv CeMAP, CeRER Published on: 07/10/2025Green mortgages offer lower rates, cashback, and better borrowing for energy-efficient homes. This guide from Aspect Mortgages explains how they work, who qualifies, and how to find the right deal.
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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: 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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