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.

The Mortgage Process Explained: From First Enquiry to Completion

Client Guides
November 05, 2026•1 min read

The mortgage process in ten steps

Custom HTML/CSS/JavaScript

Who you will deal with

Your adviser at Aspect is your main contact for your case, and we keep you updated at each stage. The lender assesses your application and issues the mortgage offer, a solicitor handles the legal work, and an insurance provider arranges your protection insurance. Our guide to the mortgage in principle explains the Agreement in Principle that we obtain at the mortgage research stage.

Where to go next

If you are buying your first home, our first-time buyer guide walks through each stage of the process, and our home mover page covers selling and buying at the same time. If you would like to talk any part of the process through call us on 01257 812345.

Carly Skelding

Carly Skelding

Carly is the Operations Manager at Aspect Mortgages, with over a decade of experience in the mortgage industry. She oversees everything from case management and lender coordination to compliance and team operations, acting as a key point of contact for clients throughout the application and completion process to ensure things run smoothly from start to finish.

LinkedIn logo icon
Instagram logo icon
Back to Blog

Stay Connected

Follow Aspect Mortgages on social media for regular updates and insights. Ready to speak to an adviser? Visit our mortgage advice, equity release, or specialist mortgage pages, or get in touch directly.

Contact Us

Aspect Mortgages Limited

16 St Thomas’s Road

Chorley, PR7 1HR

Our Services

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.