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
Can I Get a Mortgage as a First Time Buyer? Seven Myths That Could Be Ruling You Out
by: Mark Green CeMAPPublished on: 20/08/202658% of first time buyers rule themselves out before applying. Most are wrong. Seven myths, busted.
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.
Should I Fix My Mortgage Now or Wait for Rates to Come Down?
by: Mark Green CeMAPPublished on: 03/06/2026Unsure whether to lock in a fixed rate or hold off? We weigh up the key factors to help you decide.
The Renters' Rights Act Is Now in Force: What It Means for Your Buy-to-Let Mortgage
by: Mark Green CeMAPPublished on: 01/05/2026The Renters' Rights Act is now in force. Here's what it means for your buy-to-let mortgage.
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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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