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
Equity Release Explained - What Our Mortgage Clients Need to Know
by: Rachel Gill BA (Hons), CeMAP, CeRERPublished on: 06/04/2026Already a mortgage client with Aspect? Here is what you need to know about equity release - what it is, who it suits, how the process works, and how modern lifetime mortgages differ from the past.
Three Mortgage Moves That Could Save You Money Right Now
by: Rachel Gill BA (Hons), CeMAP, CeRERPublished on: 01/12/2025Are you paying more on your mortgage than you need to? These three practical tips from Aspect Mortgages could save you thousands - and most of them take less than an hour to act on.
Moving Home or Reviewing Your Mortgage in Winter - Is It Worth It?
by: Rachel Gill BA (Hons), CeMAP, CeRERPublished on: 25/11/2025Winter is the UK's least popular time to move home - but that can work in your favour. This guide explains the advantages of winter moving and why it is also the best time to review your mortgage.
Equity Release - How our clients funded early retirement
by: Rachel Gill BA (Hons), CeMAP, CeRERPublished on: 07/10/2025Bridging the gap between stopping work and receiving pension income can be a challenge. Read on to see how we helped Robert and Andrea fund early retirement:
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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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