Client Guides
Buying a home, moving, remortgaging or investing in a buy to let property all bring decisions that are easier with a clear explanation in front of you. Our client guides cover the main steps and costs in plain English. Read the ones that fit where you are now, and come back to the others when you need them.
The Mortgage Process Explained: From First Enquiry to Completion
How the mortgage process works from your first enquiry to completion and beyond: getting your adviser, joining the client portal, the factfind, research, application, offer, solicitor work and your re... ...more
Client Guides
November 05, 2026•1 min read
Property Surveys Explained: Valuations, Survey Levels and Specialist Reports
What a property survey tells you about a home, how it differs from the valuation your lender carries out, what the three RICS survey levels cover, and when a specialist report such as damp and timber ... ...more
Home Buyers ,Client Guides
November 05, 2026•8 min read
Calculators and rates to use alongside the guides
Several of our guides link to a calculator or to our current rates. They are all in one place here if you would like to work through the numbers yourself.
Guides for your situation
Each of our mortgage pages takes you through the process for your situation. If you are buying your first home, start with our first-time buyer page. If you are selling and buying at the same time, our home mover page covers what to expect. If your current deal is ending or you want to change lender, see our remortgage page. If you are buying or refinancing a rental property, see our buy to let page.
Why Choose Aspect Mortgages?
Independent and FCA regulated. We work for you, not for the lender
Whole of market access across 100+ 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 500+ Google reviews. One of the most reviewed brokers in the North West
Fixed, transparent fee. One flat fee, no surprises.
What our customers say
Rated 5 stars across 500+ clients on Google
Speak to us today
Call us on 01257 812345, or drop us a message and we will 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 £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.
© Copyright 2026 Aspect Mortgages Limited | Cookies