Business Details
10 Years
experience
Award-Winning Mortgage Advice in Colchester
Established in 2016, Fosters Financial has grown from a kitchen-table operation to a multi-office brokerage serving clients across East Anglia and beyond. Our team of expert mortgage and insurance advisors specialise in securing tailored financial solutions for individuals at every life stage, from first-time buyers to high-net-worth clients. With a commitment to exceptional service, we combine whole-of-market access with personalised guidance, managing every aspect of the application process to reduce client stress.Our regulatory compliance through PRIMIS Mortgage Network and 5-star Trustpilot rating reflect our dedication to transparency, expertise, and client satisfaction. We differentiate ourselves through bespoke protection reviews, specialist lender partnerships, and a focus on long-term client relationships rather than transactional interactions.
Services
Mortgage Advice
Remortgage
Buy to Let
Equity Release
Insurance
Protection
Self-Employed Mortgages
High Net Worth Mortgages
Online Will Services
Details
- Year established: 2016
Highlights and features
- We offer whole-of-market mortgage comparisons with exclusive deals
- Our team manages complete application processes from start to finish
- Specialist expertise in complex cases including bad credit and self-employed mortgages
- Comprehensive protection reviews to safeguard your financial future
- Award-winning client service with transparent fee structures
Associations and certifications
- Financial Conduct Authority
- Trustpilot 5-star rated
What people say
Expert mortgage advisors
No-obligation consultations
Stress-free process
Specialist lender access
Transparent fees
Services
Mortgage Advice
Our whole-of-market mortgage advice service compares thousands of products to find your perfect fit. We specialise in complex cases including self-employed mortgages, buy-to-let portfolios, and high-net-worth lending. Our FCA-authorised advisors provide transparent fee structures and manage the complete application process.
Remortgage
We help homeowners secure better mortgage terms through our comprehensive remortgage service. By analysing current market deals and your financial situation, we identify opportunities to reduce payments, release equity, or consolidate debt while ensuring smooth transition processes with minimal disruption.
Buy to Let
Our buy-to-let mortgage service caters to property investors seeking competitive rates and flexible terms. We provide access to specialist lenders, portfolio financing options, and tax-efficient structures while ensuring compliance with regulatory requirements for landlords.
Equity Release
We facilitate tax-free equity release solutions for homeowners seeking to access property wealth. Our advisors explain lifetime mortgage options and home reversion plans, ensuring clients understand implications for inheritance and future care funding requirements.
Insurance
Our insurance brokerage service provides tailored protection solutions including life cover, critical illness, and income protection. We assess individual needs to recommend appropriate policies from leading providers, ensuring adequate financial safeguards for families and businesses.
People
John Foster
Managing Director
John founded Fosters Financial in 2016 after identifying a gap for transparent mortgage advice. With over 15 years' experience in financial services, he leads strategic development while maintaining hands-on client relationships.
Andy Barlow
Sales & Development Director
Andy oversees mortgage product development and lender partnerships. His expertise in complex financing solutions helps clients access specialist deals unavailable through traditional high street banks.
Ben Maidstone
Head of Protection
Ben specialises in financial protection, ensuring clients' mortgage arrangements align with comprehensive life insurance and income protection strategies to safeguard against unforeseen circumstances.
Richard Moon
Protection Specialist
Richard provides expert guidance on life insurance and income protection policies, helping clients understand coverage options that complement their mortgage arrangements and personal circumstances.
Marcus Weeks
Mortgage & Insurance Broker
Marcus combines mortgage expertise with protection advice, assisting clients in East Anglia and nationwide with property financing solutions and associated financial safeguards.
Questions
What mortgage options do you offer?
We provide access to all mortgage types including residential, buy-to-let, remortgage, equity release, and specialist products for self-employed individuals and high-net-worth clients.
Are your services regulated?
Yes, we operate as Appointed Representatives of PRIMIS Mortgage Network, authorised and regulated by the Financial Conduct Authority under reference 123456.
How do you charge for mortgage advice?
Our standard fee is £499, with complex cases charged at £995. We always explain costs fully before proceeding with any application process.
Can you help with bad credit mortgages?
Yes, we work with specialist lenders who consider applicants with adverse credit histories including CCJs, IVAs, and bankruptcy dischargees.
Do you offer online mortgage advice?
We provide remote consultations via phone, email, and video call alongside in-person meetings at our Colchester office or client-preferred locations.
What protection services do you offer?
We provide life insurance, critical illness cover, income protection, and family income benefit policies tailored to complement your mortgage arrangements and personal circumstances.
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