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Fowler Smith Mortgages & Protection

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Fowler Smith Mortgages & Protection

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Fowler Smith Mortgages & Protection

We are a mortgage & protection brokerage, covering the whole of the UK.

Our mission is to add value to everybody we communicate with.

05/11/2026

The Budget’s been and gone. Here’s what it actually means for buyers, homeowners and landlords, in plain English. Swipe through. 📋

Questions about your own plans? Send them our way: https://www.fowlersmith.co.uk/contact

Your home may be repossessed if you do not keep up repayments on your mortgage.

02/11/2026

Read Ashleigh's Latest Article:

As we find ourselves heading into those winter months, the pressure to financially sustain the rise in our bills, the festivities, the gifts and everything else that comes with Christmas can all become a little too much. And the reality is, for millions of people, finances are already stretched befo...

31/10/2026

👻 Happy Halloween from all of us at Fowler Smith!

We might spend most of our time talking mortgages and protection, but today it's ALL about the spooky season instead.

Whether you're trick-or-treating tonight or hiding from the doorbell with the lights off like Jonathan is... we hope you have a brilliant one. 😉

From all of us at Fowler Smith Mortgages & Protection - have a spook-tacular Halloween! 🎃

29/10/2026

We handed the mic to Ashleigh, our Associate Mortgage & Protection Broker, and asked the team to finish a few sentences about the Fowler Smith Directors.... 🎤

27/10/2026

Some mortgage myths are scarier than the process. 👻

Let's clear a few up before the season's over.

Swipe through four of the ones we hear most, and why they're not as frightening as they sound.

Thinking about buying or remortgaging? We're happy to talk through your actual numbers, no scare tactics required.

https://www.fowlersmith.co.uk/contact

Your home may be repossessed if you do not keep up repayments on your mortgage.

22/10/2026

"We're friendly. We're here to help." Every broker says that.

We wanted to show you what it actually looks like instead. 🏡

Founder Jonathan Fowler sat down and wrote the real story, no polish, no marketing spin - How Fowler Smith started.

It looks at why every single client gets two people in their corner, not one.

And what happens when a lender says no and how we are able to explore what other options may be available.

But there's a lot more to Fowler Smith, the company and the team.

There's the tree we plant for every mortgage that closes, the charity close to our hearts, and a few awards we're genuinely proud of, though that's not really the point of any of this.

If you want to know who you'd actually be working with before you pick up the phone, this is it, straight from Jonathan.

Grab a cuppa and have a read here: https://www.fowlersmith.co.uk/post/mortgage-broker-colchester-the-fowler-smith-approach-to-client-care

Your home may be repossessed if you do not keep up repayments on your mortgage.

21/10/2026

Here's an uncomfortable stat: 82% of mortgage advisers say they talk to clients about protection, but only 39% of clients remember that conversation. 📊

It highlights the importance of making sure protection conversations are clear and that clients understand the cover they have in place.

One example of why that matters: many income protection policies still stop at age 65, even though more people than ever are working and still have a mortgage well beyond that.

If your policy was set up years ago, it might not reflect how your working life looks now. ⏳

That's exactly why we don't treat this as a box-ticking exercise.

If it's been a while since you last looked at your cover, or you've never been entirely sure what you have, it's worth a proper conversation, not just a policy document filed away and forgotten.

When did you last check yours?

https://www.fowlersmith.co.uk/contact

As with all insurance policies, conditions and exclusions will apply.

20/10/2026

Read Jonathan's Latest Article:

19/10/2026

There's a gap most people don't expect: 59% of UK adults don't realise income protection can cover time off for mental health reasons, even though around 1 in 10 workers take long-term leave for exactly that. 🧠

It's not the only misunderstanding either. Many people assume income protection is only for higher earners, but a smaller income often means a smaller financial buffer if the unexpected happens, not less need for cover.

Some income protection policies may provide cover where someone is unable to work due to their mental health, but this can vary between providers and policies, so understanding what yours actually includes matters just as much as having one in the first place.

If you've never had it properly explained, or you're not sure whether your existing cover would help in a situation like this, it's worth a conversation.

https://www.fowlersmith.co.uk/contact

As with all insurance policies, conditions and exclusions will apply.

Source: Shepherds Friendly 2025

14/10/2026

The FCA's latest data tells a quieter story than headline rates do. 📊

🔹 15,200 mortgages switched to interest-only in Q2 2026 - the highest level since the end of 2024, continuing a trend that started back in Q2 2025

🔹 7,173 mortgages had their term extended, up from 5,543 the previous quarter

🔹 Since July 2023, around 354,000 mortgages have had payments reduced this way, roughly 1 in every 25 regulated mortgages

These aren't distressed borrowers making headlines.

They're ordinary clients quietly managing affordability pressure before it becomes a bigger problem, and it's exactly the kind of thing a good broker conversation can catch early. 🔍

If you're an estate agent, solicitor, or accountant and a client mentions they're "just checking their options" before a fixed deal ends, that's often the moment to flag it to us.

We'd rather have that conversation six months out than six weeks out.

Know someone who might benefit from a quick chat?

Point them our way:

https://www.fowlersmith.co.uk/contact

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

First Floor, 145 High Street
Colchester
CO11PG

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Telephone

+441206635550

Website

http://www.fowlersmith.co.uk/

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