Neil Massam
Mortgage and Equity Release Specialist
Neil joined Aspect Mortgages in 2017, bringing with him more than 30 years of experience in financial services. He advises on mortgages and equity release, and his approach is straightforward: every client gets his full attention, a clear explanation of their options, and a step-by-step process from first conversation to completion.
16 St Thomas's Road, Chorley, PR7 1HR
Neil has spent over 30 years in financial services and knows the mortgage and equity release landscape inside out. Since joining Aspect in 2017, he has built a reputation for making what can feel like a complicated process feel simple and manageable. He holds CERT PFS and CERT CII (MP) qualifications and is a member of the Equity Release Council.
For Neil, this has never been a transactional business. He takes time to understand each client's situation properly before offering any advice, and stays with them through every stage until the job is done. That personal, step-by-step approach is something he has always considered non-negotiable.
Outside work, Neil is a family man through and through. He lives with his partner and their dog, and is a long-standing Everton season ticket holder. He is someone who invests the same commitment in the things that matter to him away from work as he does at his desk, which probably explains why his clients tend to stay with him.
What Neil's clients say
Neil has helped hundreds of homeowners understand their mortgage and equity release options. Here is what some of them have to say.
Mortgage & later life lending news from Neil
Neil doesn't just arrange mortgages. As one of the team's later life lending specialists, he keeps clients informed about the equity release market, the options available and the questions worth asking before making any decisions. Here's his take on some of the topics that come up most often.
Why Do People Use Equity Release? The Six Most Common Reasons
The six most common reasons people use equity release, from clearing a mortgage to helping family ...more
Later Life Planning
August 25, 2026•10 min read
What Mortgage Options Are Available if You Are Over 55?
Standard mortgages, RIO and equity release compared for over 55s. Which suits you, and why. ...more
Later Life Planning
August 25, 2026•8 min read
Using Equity Release to Boost Your Retirement Income
Could equity release boost your retirement income? Here's what you need to know before making any decisions. ...more
Lifetime Mortgages
June 06, 2026•5 min read
Why Are Equity Release Interest Rates Higher Than Standard Mortgages?
Why equity release interest rates are higher than standard mortgages, and what drives the difference. ...more
Lifetime Mortgages
June 04, 2026•4 min read
Is Equity Release a Mortgage?
Yes, equity release is a mortgage. Find out how it works, why it has stronger consumer protections, and what makes it so flexible. ...more
Lifetime Mortgages
June 04, 2026•6 min read
Using Equity Release to Pay for Care at Home
Equity release can help fund care at home so you can stay independent for longer. Find out how it works and what to consider before proceeding. ...more
Lifetime Mortgages
April 07, 2026•5 min read
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 £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.
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