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
Open Banking and Your Mortgage
by: Hayley Kirk CeMAPPublished on: 04/06/2026Open banking is changing how lenders check your finances. Here's what it means for your mortgage application.
Getting a Mortgage When You're Self-Employed: What Lenders Look For
by: Ranveer Bretherton CeMAPPublished on: 03/06/2026Self-employed and unsure how to get a mortgage? We explain what lenders check and how to prepare.
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.
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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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