Specialist Mortgage Broker
Complex mortgage needs, handled by experts. Family-run since 2004, helping clients across Lancashire, Greater Manchester and nationwide find lenders and solutions.
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 Specialist Mortgage Services
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.
Our specialist mortgage services sit alongside our full range of mortgage advice, including first time buyer, remortgage, home mover and buy-to-let. We also advise on life and protection insurance - particularly relevant if your income structure makes standard cover harder to arrange. Not sure which service fits your situation? Speak to one of our advisers and we will point you in the right direction.
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