Fosters Financial

Fosters Financial Fosters Financial is a five-star rated, mortgage and insurance brokerage. Our advice is offered with no obligation, so get in touch today! 🏡

With offices across East Anglia, our dedicated team pride themselves on providing a personalised service to suit your individual needs, whether it be in person or completely over the phone. We believe every customer is special, which is why we take the time to firstly understand your personal circumstances and then search the market, to find a mortgage that fits your needs perfectly. We also know

how precious your time is, so when you are ready to apply for your new mortgage, you will also receive a dedicated case handler to manage your entire application and provide you with regular updates on your progress. So, if you’re looking to buy your first home, move to a new house, release equity from your property or simply get a better deal on your mortgage, get in touch and see how we can help - our advice is no-obligation after all!

01/09/2026

Most homeowners make this remortgage mistake - and it costs them thousands.

They wait for the letter from their lender. The one that lands a few weeks before the fixed rate ends. And they just sign whatever's on it.

That rate is rarely their best option - it's the current lender's way of keeping you without having to compete.

You can lock in a new rate up to six months before your deal ends, shop the whole market, and switch the moment your old rate finishes. No gap. No penalty. Usually a better number.

If your renewal is coming up - don't sign anything yet. Send us the date your deal ends and we'll show you what the market actually looks like.

Send us your mortgage end date - we'll check what the whole market has on offer for you.

Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.

No jargon, no chasing, no stress.Just clear advice and a result that worked. That's how every client experience should f...
29/08/2026

No jargon, no chasing, no stress.

Just clear advice and a result that worked. That's how every client experience should feel.

If this sounds like the kind of experience you want, send us a message.

28/08/2026

How much do you actually need to earn to buy a house? There isn't one number - and that's why so many people talk themselves out of even trying.

Lenders typically work off 4 to 4.5 times your income - but that's not fixed. Joint applications, other income sources, bonuses, second jobs - all of it can shift the number significantly. Your deposit size changes it too.

I've had clients on £30,000 buy in areas they assumed were completely out of reach - because we structured the application properly and used the right lender for their situation.

Don't let a number you saw on a forum decide what's possible for you.

Send us your numbers and let's actually work it out.

Message us with your income and deposit - we'll show you what's actually achievable for your situation.

Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.

Most people start viewing properties before they've sorted their mortgage. Here's why that costs time, confidence, and s...
27/08/2026

Most people start viewing properties before they've sorted their mortgage. Here's why that costs time, confidence, and sometimes the house.

Without an Agreement in Principle, estate agents don't take you seriously. You can lose a property to a buyer who was simply more prepared - not better qualified.

With an AIP:
✅ You know exactly what you can spend
✅ Agents put you at the front of the queue
✅ You can make an offer with speed and confidence
✅ The chain moves faster once you find the right place

Getting your AIP takes one conversation with us. It costs nothing and takes the guesswork out of every viewing after.

Message us to get your Agreement in Principle sorted - before you book a single viewing.

Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.

What credit score do you actually need for a mortgage? Here's the honest answer.There's no single magic number - differe...
26/08/2026

What credit score do you actually need for a mortgage? Here's the honest answer.

There's no single magic number - different lenders use different scoring systems.

What actually matters more - electoral roll registration, missed payments in the last 24 months, credit utilisation on existing cards.

The blips that are less serious than you think - one late payment 3 years ago is very different from a recent default.

The blips that do matter - CCJs, IVAs, defaults in the last 12–24 months. These need specialist advice, not a standard lender.

The good news - for most first-time buyers with a clean recent history, credit is less of a barrier than assumed.

What to do now - pull your free credit report (Experian or ClearScore) before any lender does.

Message us for a free First Home Check - we'll look at your credit position and tell you exactly where you stand.

Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.

25/08/2026

You don't need three years of accounts to get a mortgage. I hear this from self-employed people every week - and it's just not true.

Some lenders will look at one year of accounts. One.

If your business is growing, that actually works in your favour - because we use your most recent figures, not an average dragged down by a weaker year three years ago.

I had a client who'd been self-employed for 14 months. Everyone told her to come back in two years. We got her a mortgage based on her first year's accounts.

If you've been told to wait - you've probably been talking to someone who doesn't specialise in self-employed cases.

Come and talk to someone who does before you write off another two years of your life.

Message us - we'll tell you honestly whether you can move now or what needs to happen first.

Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.

This is what good advice actually looks like.Someone who listened. Understood the situation properly. Found the right le...
22/08/2026

This is what good advice actually looks like.

Someone who listened. Understood the situation properly. Found the right lender. Got the result.

Not a form-filler - actual advice.

If this is the kind of support you've been looking for, start a conversation with us.

21/08/2026

Your accountant could be costing you borrowing power - and they don't even know it.

Good accountants are brilliant at one thing: keeping your tax bill down. They minimise your declared income wherever legally possible - because that's the job.

But lenders work off declared income. So the more efficiently your accountant has done their job, the less you might appear able to borrow.

I had a director who'd taken a small salary and left profit in the business for three years - completely sensible tax planning. On paper, his income looked tiny.

We found him a lender who assessed his retained profits, not just salary and dividends. Borrowing went up by over £150,000.

Your accountant isn't wrong. They're just not thinking about your mortgage. Talk to someone who looks at both.

Message us before you apply anywhere - we'll look at the full picture, not just the declared income figure.

Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.

Most home movers underestimate how much equity they're sitting on.Slide 1: What is equity? Your property value minus you...
20/08/2026

Most home movers underestimate how much equity they're sitting on.

Slide 1: What is equity? Your property value minus your outstanding mortgage balance.
Slide 2: Why it matters - your equity becomes your deposit on the next purchase.
Slide 3: The rate tiers - higher equity % = better mortgage rate.
Slide 4: How to check - free online property value tools + your latest mortgage statement.
Slide 5: What it unlocks - more buying power, better rate, bigger move.
Slide 6: The number most people miss - if you bought 3–5 years ago, your equity is probably much higher than you think.

Knowing your equity figure is step one. Knowing what to do with it is where we come in.

Message us for a free Equity and Mortgage Review - we'll show you what you can actually afford to move to.

Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.

19/08/2026

If someone depends on your income - watch this.

Most people insure their car, their phone, even their holiday. Far fewer insure the thing that actually pays for all of it - their ability to earn.

If you couldn't work tomorrow - illness, injury, anything - how long would your household actually survive on savings alone?

Income protection isn't expensive. It isn't complicated. It just never gets thought about until it's too late to arrange it.

If you've got a mortgage, a partner, kids - anyone relying on what you bring in - it's worth 20 minutes of your time to actually look at this properly.

Book a free Protection Review - 20 minutes, no jargon, honest options.

As with all insurance policies, terms and conditions apply.

Address

652 The Crescent
Colchester
CO49YQ

Opening Hours

Monday 8:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm
Saturday 8:30am - 4pm

Telephone

+441206911401

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