Aspect Mortgages is an independent, whole-of-market mortgage and equity release brokerage based in Chorley, Lancashire. We have been helping clients buy homes, remortgage, and plan for later life for over 20 years - and this blog is where we share practical guidance, news, and insights from our team of qualified advisers.

Whether you are a long-standing client or finding us for the first time, here is a little more about who we are, what we do, and how we work.

Our story

Aspect Mortgages was founded by Rachel and Richard Gill, and has been built almost entirely on word-of-mouth recommendations and repeat business - something we are genuinely proud of. Over 20 years on, the founding principle remains the same: clear, honest guidance that clients can trust, delivered by people who take the time to understand your situation.

You can read our full story on our about page.

Our team

Richard and Rachel lead the business, with both holding the Certificate in Regulated Equity Release (CeRER) alongside their mortgage qualifications. Neil Massam, our Senior Mortgage and Protection Adviser, is also qualified to advise on equity release alongside mortgages and protection. Mark Green, Sue Slack, and Ranveer Bretherton round out our team of mortgage advisers, each bringing their own experience and expertise to clients across the region.

Behind the scenes, Carly Skelding keeps the business running smoothly as Operations Manager, while Hayley Kirk supports our clients as Case Manager - making sure every case progresses as efficiently as possible from application to completion.

You can find out more about each of us on our team page.

Our office

We are based at 16 St Thomas's Road in Chorley - office premises we purchased in 2022, giving us a permanent home in the town and a genuine open door for anyone who prefers to meet face to face. We have gradually renovated the building, including sustainable insulation and energy systems, which has given us a useful working knowledge of green mortgages from the inside out.

Being rooted in Chorley matters to us. We support fellow independent businesses on the high street, enjoy the regular street markets on our doorstep, and take full advantage of Astley Park for the Aspect office dogs.

What we do

While we are based in Chorley, we work with clients across Lancashire, Greater Manchester, and nationwide. Our advisers are qualified to help with:

• First Time Buyers

• Home Movers

• Remortgages and Rate Switching

• Buy to Let

• Lifetime Mortgages and Equity Release

• Insurance and Protection

• Wills and Estate Planning

We are happy to meet in our Chorley office, at a location that suits you, in your own home, or over video call or phone - whatever works best for you.

If you have any questions, are thinking about moving, or simply want to understand your options, we would love to hear from you. Call us on 01257 812345 or follow us on our Facebook page for regular updates and news as soon as we have it.

Rachel, Richard and the Aspect Mortgages team