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
How to Buy Out Your Help to Buy Equity Loan: A Step-by-Step Guide
by: Ranveer Bretherton CeMAPPublished on: 15/04/2026A step-by-step guide to repaying your Help to Buy equity loan through a remortgage.
What Happens to My Mortgage If I Separate From My Partner?
by: Ranveer Bretherton CeMAPPublished on: 08/04/2026Separating from a partner when you have a joint mortgage raises urgent questions. Here is what you need to know and what your options are.
What is a Mortgage in Principle and Do I Need One?
by: Ranveer Bretherton CeMAPPublished on: 08/04/2026A mortgage in principle shows sellers you are a serious buyer. Find out what it is, how to get one, and whether you actually need it.
First Time Buyer Checklist - Everything You Need to Do Before You Buy
by: Ranveer Bretherton CeMAPPublished on: 06/04/2026Buying your first home? This step-by-step checklist from Aspect Mortgages covers everything you need to do - from checking your credit score to picking up your keys - in plain English.
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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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