Aspect Mortgages are a team of impartial Mortgage & Protection Advisors. We pride ourselves on our service standards and our business is built on recommendations. We are a highly skilled and experienced team and can advise on all types of mortgages & protection including:
First Time Buyers
Buying your first home can be a daunting experience. We can help you find the right mortgage with payments that you are comfortable with. We can deal with Estate Agents, Solicitors, Lenders and Surveyors on your behalf to make sure that the process is as straightforward as possible.
Home-moves and Remortgages
We will find the right mortgage for you and support you from your initial enquiry through to completion and beyond – including monitoring your mortgage in the future so that when your deal comes to an end you know the options and rates that are available to you.
Lifetime Mortgages
A Lifetime mortgage is a form of equity release that allows individuals to release money, tax free, from the property they live in without having to make any monthly repayments. We have highly qualified advisers that will recommend a lifetime mortgage that suit your needs.
Protection
We will recommend and arrange insurance policies using your personal circumstances to ensure it suits your needs and protects yourself and your family.
Services for Landlords
The Buy to Let mortgage market is now a complex area. We have specialist knowledge in this area and can help with purchases, remortgages and rate reviews whether you have 1 property or 100. We arrange Buy to Let funding either for individuals or for Limited Companies and can advise on the merits of each, depending on your circumstances.
Review and Rate Switching Service
Virtually all mortgages begin with a promotional period and, if you do nothing, the deal then reverts to a higher variable interest rate. We offer a free tracking/review service and can deal directly with most lenders to see what options and rates are available to you’
Commercial Finance
We can help with a range of financial services for businesses including Commercial Loans, Unsecured Lending, Invoice Finance, Asset Finance and Bridging Finance.*
Mortgages for the Self-Employed and Company Directors
Many of our clients are Sole Traders, Contractors, Llp Partners or Company Directors. We have in-depth knowledge of mortgages for these circumstances. We deal with lenders who want to lend to the Self-Employed and who understand the various ways in which income is structured.
* Please note: if you wish to discuss commercial finance we will refer you to Aspect Commercial which is a trading name of Watts Commercial Finance Limited and who specialises within this area.
Aspect Mortgages Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (http://www.fca.org.uk/register) under reference: 305352.
Please note: The FCA do not regulate Business Buy to Let Mortgages.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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.