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
Getting a Mortgage With Just One Year's Accounts
by: Sue Slack CeMAPPublished on: 05/08/2026Newly self-employed? How to get a mortgage with one year's accounts and what lenders want to see.
Should I pay exit fees to switch to a better mortgage rate?
by: Ranveer Bretherton CeMAPPublished on: 07/07/2026Thinking of paying an exit fee to switch rates? Here's how to weigh the costs before deciding.
Your Mortgage Deal Is Ending. Here's Why You Should Think Beyond a Simple Rate Switch
by: Hayley Kirk CeMAPPublished on: 03/06/2026Your mortgage deal ending? Don't just auto-renew. Here's how to review your options and save money.
Should I Fix My Mortgage Now or Wait for Rates to Come Down?
by: Mark Green CeMAPPublished on: 03/06/2026Unsure whether to lock in a fixed rate or hold off? We weigh up the key factors to help you decide.
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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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