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Independent Mortgage Broker
Whole-of-market advice from an independent, family-run broker. We search 90+ lenders to find the right mortgage for you, and explain everything in plain English.
Live Mortgage Rates
No credit check
Live rates from 90+ lenders
Takes less than 2 minutes
No contact details required for results
Free credit report when you enquire with us
Advice by phone, video or in our Chorley offices
Our Mortgage Services & Expertise
We also advise on specialist mortgages for the self-employed, contractors, professionals and those with adverse credit, as well as life and protection insurance. Not sure where to start? Speak to one of our advisers and we will point you in the right direction.
Buying your first home is exciting but also filled with decisions. We guide you from saving for a deposit through to collecting your keys. You will know your options, understand each step, and feel supported the whole way.
Moving house brings both pressure and opportunity. We look at your current mortgage, assess whether to transfer it, increase it, or find a new one, and ensure it fits your changing needs.
When your current deal ends or your goals change, we help you review and switch. Whether it is lowering payments, fixing a new rate, or releasing equity for future plans, we make the process straightforward.
If you are starting as a landlord or building a portfolio, we help you navigate the different criteria and lender expectations. You get advice that supports your strategy and keeps your investment on track.
Sometimes the simplest option is to stay with your lender and move onto a new rate. We check whether this is the right choice, compare it to other offers, and manage the switch from start to finish.
Equity release allows homeowners over 55 to unlock some of the money tied up in their property without having to sell or move. It can help fund retirement, support family, or cover big expenses while letting you stay in your home.
At Aspect Mortgages, we’ll explain the options clearly, highlight the safeguards in place, and show you how equity release might fit into your financial plans.
Meet the team
Sue Slack
CeMAP
Mortgage and Protection Adviser
Mark Green
CeMAP
Mortgage and Protection Adviser
Ranveer Bretherton
CeMAP
Mortgage and Protection Adviser
Neil Massam
CERT PFS, CERT CII (MP)
Mortgage, Protection and Equity Release Adviser
Rachel Gill
BA (Hons), CeMAP, CERER
Director and Equity Release Adviser
Richard Gill
BSc (Hons), Adv CeMAP, CERER
Managing Director
Carly Skelding
Operations Manager
Hayley Kirk
Mortgage and Protection Case Manager
Why Choose Aspect Mortgages?
Independent and FCA regulated. We work for you, not for the lender
Whole of market access across 90+ lenders and leading insurers
Family run since 2004 with over 100 years of combined team experience
Local office, national reach. Serving clients across Lancashire, Greater Manchester and nationwide.
Real people, no jargon. Plain English, at your pace
Rated 5 stars across 460+ Google reviews. One of the most reviewed brokers in the North West
Fixed, transparent fee. One flat fee, no surprises.
What Our Clients Say
We're rated 5 stars across hundreds of Google reviews - here's what some of our clients have said about working with us.
Speak to an adviser today
Call us on 01257 812345, or drop us a message and we'll call you back
Areas We Cover
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.
© Copyright 2026 Aspect Mortgages Limited