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
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.
Can I Take My Mortgage With Me When I Move Home?
by: Mark Green CeMAPPublished on: 08/04/2026Porting lets you take your existing mortgage deal to your new home. Here is how it works, when it makes sense, and when you might be better off switching.
Should I use a mortgage broker or go direct to a lender?
by: Mark Green CeMAPPublished on: 08/04/2026Going direct to a lender might seem simpler, but it could cost you. Here is an honest look at the difference between using a broker and going direct.
Fixed or Tracker Mortgage - Which Should You Choose?
by: Mark Green CeMAPPublished on: 08/04/2026Not sure whether to fix your mortgage rate or go with a tracker? This guide explains the difference and helps you decide what suits your situation.
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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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