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
Ten Years in Chorley and 500 Five-Star Google Reviews
by: Richard Gill BSc (Hons), Adv CeMAP, CeRER Published on: 01/10/2026Aspect Mortgages marks ten years at St Thomas's Road, Chorley and 500 five-star Google reviews.
Your First Home Scheme: What First-Time Buyers Need to Know
by: Richard Gill BSc (Hons), Adv CeMAP, CeRER Published on: 27/09/2026Your First Home scheme: 2.5% deposit, 20% government equity loan on new-builds. What we know so far
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.
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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 £1,495 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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