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
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.
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 Should I Look for When Choosing a Mortgage Adviser?
by: Carly SkeldingPublished on: 08/04/2026Not all mortgage advisers are the same. Here is what to look for when choosing one - and the questions worth asking before you commit.
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.
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Areas We Cover
Preston, Chorley, Leyland, Bamber Bridge, Southport, Skelmersdale, Ormskirk, Wigan, Buckshaw Village, Worsley, Sale, Prestwich, Cheadle, Marple and Bolton. Remote advice offered nationwide.
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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