ABOUT US
Our Story
A Family Firm Built On Trust
Mortgages are in our DNA here at Aspect. We are a family oriented team, run by Rachel & Richard Gill. When Rachel started as a mortgage advisor in 1999 her first customer was - Richard, who was looking for his first home. We can't promise to marry all of our clients but, 25+ years later, it's certainly working for them!
Aspect Mortgages began in 2004 when Rachel set out to build a mortgage advice firm that put people before products. Her goal was simple: to provide clear, honest guidance that clients could trust.
Richard joined the business in 2007, followed by our Operations Manager, Carly Skelding, in 2014 - bringing fresh energy and a growing reputation for client care. In 2017, our team expanded again with the arrival of Neil Massam and Sue Slack, and in 2021, Mark Green came on board—each one bringing their own experience and commitment to putting clients first.
A major milestone came in 2022 when we bought our own offices in Chorley, giving Aspect a permanent home and our clients a welcoming place to visit.
From day one, we’ve grown through word-of-mouth and repeat business—proof that when you focus on people, success follows. Today, we’re proud to still be independent and trusted by generations of families for honest advice and exceptional service.
This history isn’t just for show — it matters. Most of our business comes from repeat clients and personal recommendations. If you’re reading this page, chances are you’ve been referred to us by someone you trust or have seen our reviews online. That means everything to us.
It matters to our clients too. A mortgage is a long-term commitment, and so is choosing the right adviser. You want a firm that will be here not just today, but in five, ten, or twenty years' time — with the experience, continuity, and values to support you through every life stage. That’s exactly what we aim to provide.
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Our Team
Rachel Gill
Director, Equity Release and Estate Planning Expert
Rachel began her career as a Mortgage Advisor in 1998 and founded Aspect Mortgages in 2004. With a wealth of experience in mortgage advice, later life lending, and estate planning, Rachel focuses on building strong, lasting relationships with clients and professional introducers. Outside of work, she enjoys family time, cooking, and practicing yoga.
Richard Gill
Managing Director
With a wealth of mortgage, protection, and equity release experience, Richard supports the advice team and is responsible for maintaining Aspect Mortgage’s strict service standards. Richard spends his spare time with Rachel and their two children. He loves to travel, particularly in Africa & the Middle East, and is a season ticket holder at Newcastle United.
Carly Skelding
Operations Manager
Carly started in the business as an Administrator before being promoted to Case Manager and then Operations Manager. Carly keeps the business running smoothly, manages our life insurance cases and helps ensure that our service standards are met at all times. In her spare time Carly enjoys spending time with her husband and two sons – usually kicking a ball around or standing at the side of a football pitch.
Neil Massam
Equity Release Expert
Neil has worked in financial services for over 30 years and joined Aspect Mortgages in 2017. He has a thorough knowledge of the financial world and enjoys being out and about, spending time with his clients and introducers. When not at work he enjoys time with his family, has a love of DIY and is a long-standing season ticket holder at Everton FC.
What Our Clients Say About Aspect Mortgages
Our Values
A Family Firm Built On Trust
People First
We focus on you before we look at products. This means we take time to understand your goals and your situation. The advice you receive is shaped around your life, not around targets or sales.
Clear And Simple Language
Mortgages and insurance can feel complicated, so we remove the technical terms and replace them with plain English. You always know what each option means for you.
Whole Of Market Guidance
We are independent, which means we are not tied to any one bank. We search across the market to find the right fit for you. The choice is wider, the comparison is fairer, and the outcome is designed for your needs.
Long Term Commitment
We believe in building relationships that last. Many clients return when their lives change and bring their families too. We are here not just for this year but for 5, 10, or 20 years ahead.
Family Values At Our Core
Aspect Mortgages began as a family business and that spirit remains. We treat clients with the same care and honesty that we would give to our own families.
Get the right advice and the confidence that comes with it
Take the first step towards financial clarity today. There is no obligation and no pressure. Just a friendly conversation to answer your questions.
Fees
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.
There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £1495 for an equity release/retirement mortgage.
Important Information
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 reference 305352. The FCA do not regulate Business Buy to Let Mortgages or Estate Planning.
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.
Your home may be repossessed if you do not keep up repayments on your mortgage.
© Copyright 2026 Aspect Mortgages Limited