Business Details
10 Years
experience
Your Trusted Mortgage Advisers in Colchester
Fosters Financial is a whole-of-market mortgage brokerage established in 2016, dedicated to providing tailored mortgage solutions for diverse client needs. Our team of expert advisors specialises in navigating complex financial scenarios, offering access to a comprehensive panel of lenders and exclusive deals. With offices in Colchester and online services, we pride ourselves on delivering a 5-star rated, stress-free experience through transparent communication and meticulous management of the entire mortgage process.Our commitment to client-centric service extends to protection insurance advice, ensuring holistic financial security. Backed by Financial Conduct Authority regulation and a reputation for exceptional service on Trustpilot, we combine industry expertise with personalised guidance to help clients achieve their property goals.
Services
Moving house mortgage
Remortgage
Buy to let mortgage
Equity release mortgage
First time buyer mortgage
Self-employed mortgage
Retirement mortgage
Expat mortgage
Bad credit mortgage
New build mortgage
Details
- Year established: 2016
Highlights and features
- We provide no-obligation mortgage consultations
- We manage the entire mortgage application process
- We have a 5-star rated service
- We offer flexible service across East Anglia and online
- We have a team of expert mortgage advisors
Associations and certifications
- Financial Conduct Authority
What people say
5-star rated service
Excellent customer service
Tailored solutions
Expert advisors
Stress-free process
Services
Moving house mortgage
Specialist advice for purchasing new residential properties. We help clients secure competitive rates for first-time purchases, property upgrades, or relocation needs. Our brokers compare thousands of products to find optimal deals, managing paperwork and liaising with relevant parties to ensure smooth transactions.
Remortgage deals
Expert guidance for homeowners seeking better mortgage terms. We analyse current arrangements and market offerings to identify savings opportunities. Our service includes penalty calculations, new lender negotiations, and seamless transition management to maximise financial benefits.
Buy to let mortgage
Tailored financing solutions for property investors. We access specialist lenders offering competitive rates for rental portfolios. Our advisors provide income assessment strategies, tax-efficient structuring, and portfolio management advice to optimise investment returns.
Equity release
Regulated advice for homeowners aged 55+ seeking tax-free cash from property equity. We explain lifetime mortgage options and home reversion plans, ensuring clients understand implications for inheritance and benefits. Third-party providers handle final product delivery.
Self-employed mortgage
Specialist lending solutions for non-traditional income structures. We work with lenders accepting SA302 forms, company accounts, and dividend payments as proof of income. Our brokers demonstrate affordability effectively to secure competitive rates for self-employed applicants.
People
John Foster
Managing Director
Founded Fosters Financial in 2016, bringing extensive mortgage industry experience. Leads strategic development while maintaining client focus. Previously operated from Ipswich before expanding to Colchester.
Andy Barlow
Sales & Development Director
Responsible for business growth and mortgage product development. Oversees team training and lender relationships. Brings deep knowledge of market trends and regulatory requirements to client service improvements.
Ben Maidstone
Head of Protection
Specialises in life insurance and income protection solutions. Ensures clients receive appropriate coverage matching their financial circumstances. Provides expert advice on policy structures and claims processes.
Marcus Weeks
Mortgage & Insurance Broker
Provides comprehensive mortgage and protection advice. Focuses on first-time buyers and complex cases. Maintains professional qualifications to ensure up-to-date market knowledge for client benefit.
Isaac O'Connor
Mortgage & Insurance Broker
Advises on residential and investment mortgages alongside protection needs. Specialises in helping clients with non-standard income arrangements. Committed to clear communication and long-term client relationships.
Questions
What mortgage types do you specialise in?
We specialise in moving house, remortgage, buy-to-let, equity release, first-time buyer, self-employed, retirement, expat, bad credit, and new build mortgages.
How do you find competitive mortgage rates?
As a whole-of-market broker, we access exclusive deals from leading lenders. Our advisors compare thousands of products to find optimal rates for your specific circumstances.
What fees do you charge for mortgage advice?
Our standard fee is £499, with complex cases charged £995. We'll explain all costs clearly before proceeding with your mortgage application.
Do you offer protection insurance advice?
Yes, we provide life insurance, critical illness cover, and income protection advice to safeguard your mortgage and family financial security.
Can you help with bad credit mortgages?
Yes, we work with specialist lenders who consider applicants with adverse credit histories including defaults, CCJs, and IVAs.
How do I start the mortgage process?
Book a free, no-obligation consultation with our advisors. We'll discuss your needs, assess affordability, and begin searching for suitable mortgage products.
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Reviews (6)
Chris Whitfield
Apr 26, 2021
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Right from the outset, Sian has been excellent in her communication and professionalism in going over all the mortgage matters with me and to put me at ease during this whole process. Along with Gemma, they have remained diligent throughout, and kept me updated at every stage of the mortgage process right through to completion. I could not be more pleased with the level of service given. Superb company and hard to come by.
Lewis Last
Aug 13, 2019
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Pete and the team were fantastic. Made the process really easy with online documents to sign and clear communication. Also broke down each step in a simple way with no jargon!! Highly recommend.
Emma Kybird
May 23, 2019
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Brilliant service, I can highly recommended Fosters Financial!
Pete is a magician! He worked his magic and enabled us to buy the house we wanted. Thanks so much Pete!
Pete is a magician! He worked his magic and enabled us to buy the house we wanted. Thanks so much Pete!
Vik N.
Sep 07, 2018
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As a first time buyer, I found the process of buying a house a bit daunting and confusing, so I decided to play it safe and go with a broker. At first, I thought it was a lot of money, but by the end of it, I was glad I went with Fosters, particularly Amanda. Amanda is knowledgeable, took the time to understand my requirements, helped me find the most suitable product, and kept me updated throughout the process. Thank you Amanda!
Gemma Holland
Jul 26, 2018
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Can not recommend Fosters Financial enough, after a bad start with a different company I spoke to John and in 10 days they managed to get my mortgage sorted something after 10 weeks the other company could not! They are always keeping you informed every step of the way which as a first time buyer has been so helpful. John, Tracy, Connor and Travis have all been fantastic so thank you all so much
Sobji Dodi
Oct 12, 2017
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To All the Team and Foster Financial and in particular John I would like to say a massive thank you for your advice, support and guidance. I have always received excellent service from this firm, even if John has busy day full of meetings He will make time to respond to your query on the same day. The team keeps you updated throughout the process of any matters relating to your case and always recommend best products or service. Very professional team. I would highly recommend Foster Financial.
John " You are the Man"
John " You are the Man"
