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 Does the Autumn Budget 2026 Mean for My Mortgage?
by: Richard Gill BSc (Hons), Adv CeMAP, CeRER Published on: 28/10/2026What does the Autumn Budget 2026 mean for your mortgage? Our guide covers the announcements, the effect on rates and what to do next if your deal is ending.
Mortgage Deal Ending Soon? What to Do This Week as Rates Rise
by: Mark Green CeMAPPublished on: 20/10/2026Mortgage deal ending within six months? How to secure a new rate now and what to check first.
Are Five-Year Fixed Mortgage Rates Really Over 6%?
by: Mark Green CeMAPPublished on: 10/10/2026The 6% headline is a market average. What five-year fixes cost now and how lenders price them.
Getting a Self-Employed Mortgage Using Net Profit
by: Mark Green CeMAPPublished on: 11/09/2026How mortgage lenders assess net profit for sole traders, partners and company directors.
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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 £1,495 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: 05103801. 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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