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
Could you buy your first home with just £5,000 saved?
by: Sue Slack CeMAPPublished on: 12/05/2026Halifax's new £5,000 deposit mortgage could help first-time buyers get on the ladder sooner.
What is a Joint Borrower Sole Proprietor Mortgage and Could It Help You?
by: Sue Slack CeMAPPublished on: 08/04/2026A JBSP mortgage lets a parent boost a child's borrowing without going on the deeds. Find out how it works and whether it could be the right solution.
Buy to Let in Your Own Name or Through a Limited Company - Which is Right for You?
by: Sue Slack CeMAPPublished on: 08/04/2026Should you buy your next rental property personally or through a limited company SPV? Here is what landlords need to understand before deciding.
Credit Scores and Mortgages - What You Need to Know
by: Sue Slack CeMAPPublished on: 08/04/2026Your credit score affects which mortgages you can access and at what rate. Here is how it works and what you can do to improve your chances.
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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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