Rachel Gill
Director and Equity Release Specialist
Rachel founded Aspect Mortgages and has spent over 25 years helping clients make sense of their options. She now focuses on equity release, working with homeowners aged 55 and over to find solutions that work for their retirement, on their terms.
16 St Thomas's Road, Chorley, PR7 1HR
Rachel founded Aspect Mortgages in 2004 and has been advising clients on mortgages since 1999. Having held her equity release qualification since 2008, she now focuses on later life lending, helping clients aged 55 and over explore their options in plain English, without pressure and without jargon. Rachel meets all her clients in person, taking the time to sit down properly and understand each situation before any advice is given.
Later life lending is rarely just a financial decision. It touches on retirement plans, family dynamics and long-term security. Rachel's background gives her the experience to understand that, and she takes the time to make sure every client feels fully informed before they make any decision. She holds CeMAP, CeRER and a BA Hons, and is a member of the Equity Release Council.
Outside work, Rachel lives in Preston with her husband Richard and their two children, plus Freya the dog. She keeps active with the gym, yoga and walking, has travelled widely across the Middle and Far East, and takes a keen interest in local community issues. There is a lot more to her than mortgages, which is probably why clients find her so easy to talk to.
What Rachel's clients say
Rachel has helped hundreds of homeowners understand their mortgage and equity release options. Here is what some of them have to say.
Later life lending news from Rachel
As Director, and the driving force behind Aspect's later life lending offering, Rachel keeps clients informed about the equity release market, what's changing and what to consider before taking any steps. Here's her take on some of the topics that come up most often.
How Long Does Equity Release Take From Start to Finish?
Equity release typically takes 6 to 12 weeks from first appointment to completion. Here is what happens at each stage and what can affect the timeline. ...more
Lifetime Mortgages
April 07, 2026•4 min read
What to Expect From an Equity Release Appointment
Not sure what happens at an equity release appointment? This guide walks you through the process so you know exactly what to expect. ...more
Later Life Planning
April 07, 2026•4 min read
How Does Interest Roll-Up Work on a Lifetime Mortgage?
Interest roll-up means no monthly repayments - but the balance grows over time. This plain English guide from Aspect Mortgages explains exactly how it works, with real figures, and what you can do to ... ...more
Lifetime Mortgages
April 06, 2026•5 min read
What Is a Drawdown Lifetime Mortgage and How Does It Work?
A drawdown lifetime mortgage lets you release equity in stages rather than all at once - and can save significant interest over time. This guide from Aspect Mortgages explains exactly how it works. ...more
Lifetime Mortgages
April 06, 2026•5 min read
Is Equity Release a Good Idea? The Honest Answer
Is equity release a good idea? The honest answer depends on your circumstances. This guide from Aspect Mortgages sets out when it works well, when it does not, and what to consider before deciding. ...more
Lifetime Mortgages
April 06, 2026•5 min read
Equity Release Jargon Buster: A Plain English A–Z Guide for UK Homeowners
Not sure what terms like "drawdown", "no-negative-equity guarantee" or "Equity Release Council" actually mean? This plain English A-Z guide from Aspect Mortgages explains the key equity release terms ... ...more
Lifetime Mortgages
March 12, 2026•undefined
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.
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