Mortgages for Foster Carers

Fostering allowances are a legitimate and reliable source of income, but most high street lenders don't recognise them. We work with lenders who will include your LA or independent agency fostering payments in your affordability assessment, helping you access more of the market.

Already a homeowner and looking to remortgage? Whether you want to release equity, switch to a better rate, or move to a new property, we work with lenders who will treat your fostering income fairly and won't ask you to justify it as a secondary or informal source.

Many high street lenders won't lend beyond age 70, but specialist lenders will look further. They will also consider pension income in later life planning. Whether you are an experienced carer approaching retirement or just starting out, we can find the right option for your circumstances.

When your fixed rate ends, we search the whole market to find you the best remortgage deal. Most lenders offer free valuations and free legal fees through their appointed solicitor for standard remortgages.

Alongside foster carer mortgage products, these government schemes may also help you get on the property ladder sooner or with a smaller deposit.