Not every mortgage is straightforward, and not every lender is equipped to deal with the ones that aren't. If your situation is a little more complex than the standard application, the right broker makes all the difference.
At Aspect Mortgages, we've been helping clients with specialist mortgage needs for over 20 years. Whether you're self-employed, working as a contractor, dealing with a difficult credit history, a professional or NHS worker, or looking to borrow a larger sum — we know how to find the right lender and make the case for you.
We don't turn people away because their situation is complicated. We understand how lenders assess specialist applications - and we know which ones are right for you. Call us on 01257 812345 or enquire below to get started.

Sole traders and limited company directors - we understand how lenders assess self-employed income and know which ones work best for your situation.

Day rate contractors, umbrella contractors and fixed-term workers. We work with lenders who assess contractor income properly and understand your pay structures.

Borrowing £500,000 or more? Larger mortgages need a different approach. We work with specialist lenders who can accommodate complex income and high-value lending.

Doctors, dentists, accountants and other professionals - some lenders offer enhanced income multiples for certain professions. We understand your pay structures and can tell you whether you qualify for more generous terms.

NHS workers often have complex pay - banding, enhancements, bank shifts and locum income. We know which lenders understand NHS income and how to present it correctly.

Missed payments, defaults, CCJs or a past bankruptcy - we help clients with difficult credit histories find lenders willing to look at the full picture.
Aspect Mortgages is based in Chorley, Lancashire, but we work with clients nationwide. Whether you prefer to meet us in person at our offices or speak with one of our advisers by phone or video call, we can help you wherever you are in the UK.
We have particular experience serving homeowners and buyers across Lancashire and Greater Manchester, including Preston, Chorley, Leyland, Bamber Bridge, Southport, Skelmersdale, Ormskirk, Wigan and Bolton.
We offer specialist mortgage and financial advice across a wide range of needs, including first-time buyers, home movers, remortgages, buy-to-let, product transfers, self-employed applicants, contractors, professionals, NHS workers, large loans, adverse credit and equity release.
Share your goals and get straight answers from a trusted adviser.
Fees
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.
Important Information
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 or Estate Planning.
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.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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