We are the Foster Carer Mortgage Specialists

We understand the challenges faced by Foster Carers when it comes to securing a mortgage.
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Foster Carer Mortgages

What is a Foster Carer mortgage?

Foster carers can apply for a foster care mortgage that means all your fostering income is counted for calculating your mortgage.

We have established working relationships with lenders for foster carer mortgages and work with The Fostering Network and all their members to find them the best mortgage deals. You may need a mortgage to purchase a larger property or make improvements to your existing one.

Frequently asked questions

  • Will I qualify for a mortgage if I am a foster carer?

    Our foster care mortgage specialists understand the challenges of securing a mortgage and will be able to look at all your income, supported by the evidence of your earnings from your fostering agency or local authority, to ascertain your affordability.

  • Does foster care money count as income for a mortgage?

    Yes. Our specialist foster care mortgage advisers will count all your foster care income when looking at the options available.

  • How much deposit will I need to get a foster care mortgage?

    This will depend on your location in the UK and the length of time you have been fostering. A minimum of a 5% deposit is required if you have been fostering for 2 years. Often a slightly higher deposit will be required if you have been fostering for less than 2 years.

Why choose The Mortgage Brain?

We have access to over 12,000 mortgage deals with hundreds of lenders

All our specialist foster care advisers CMAP qualified to find the most suitable mortgage for you and your circumstances

We are 100% fee free!

You can follow your mortgage application every step of the way via our online customer portal

We have thousands of happy customers with a 5/5 rating on Trustpilot and 4.9/5 on Google reviews

Your dedicated foster care specialist adviser will be with you every step of the way, from the initial consultation to the completion of your mortgage

What our customers have to say...

How our expert mortgage advice service works

We’ve made it easy for you to get in touch to start talking about your mortgage.

We know it can be a stressful experience so our expert mortgage advisers are a friendly team and will help you to find the best mortgage deal to suit your own personal situation, whether it’s your first mortgage or you are further up the property ladder. Based on your income and deposit, or equity in your current property, we will show you a range of mortgage options. Once you have decided which one you prefer, we will progress your application with the lender until your mortgage is approved.

It’s a simple and stress-free way to find a mortgage!

How our expert mortgage advice service works
Foster care remortgage reminder

Would you like to be reminded about remortgaging?

Our team of Foster Care Specialists can get in touch with you when your remortgage is due, so you don’t go directly on to a higher interest rate.

We can also access your options with your existing lender or sometimes even offer exclusive intermediary rates with a new lender, so finding a remortgage solution has never been easier.

Set your mortgage reminder below.

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