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Foster carers choose us because we understand the unique nature of fostering income and how it’s assessed by mortgage lenders. Many high street banks can struggle to interpret local authority or agency payments, but we have experience working with lenders who recognise and accept this form of income. Our access to specialist mortgage providers means we can offer solutions where others may have said no.
We’re experts in handling complex income assessments and pride ourselves on providing clear, supportive guidance throughout the process. Whether you’re a first-time buyer, moving home, or remortgaging, we’ll explain your options in straightforward terms and ensure your circumstances are fully represented to the lender. With a compassionate and knowledgeable approach, we’re here to help foster carers secure the home they deserve.
Your free initial chat:
We provide an expert assessment:
We offer start to finish support:
Our advisers are always available for a chat, get in touch to get started with your mortgage and protection needs.
As a foster carer applying for a mortgage, you’ll need a few things throughout the process; see below to help you prepare:
Ready to take the next step? Download one of our useful guides to explore how we can help your specific situation. Or use our repayment or affordability calculators to help budget.
Yes! We work with lenders who understand and accept fostering income. We’ll help present your income in the best way to secure your mortgage.
Deposits can start from as low as 5%, depending on your circumstances and credit score. We’ll advise on the most suitable options for your situation.
We work with lenders who understand the nature of fostering income. Some will consider both your basic allowance and additional payments when assessing affordability.
No, but you need a lender who understands fostering income. We’ll match you with lenders experienced in assessing foster carer applications.
"I have had a number of dealings with Michael regarding financial matters, in particular with regard to mortgages. On each occasion, he has been thoroughly professional, reliable and informative. His assistance has helped save our family a substantial amount of money. I would not hesitate to recommend his services to anyone."
Find out why we’re different and experience a new level of tailored mortgage and protection advice. Book a free consultation today.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
2nd City Finance Limited is an Appointed Representative of Quilter Financial Services Limited which are authorised and regulated by the Financial Conduct Authority.
2nd City Finance Limited is registered in England and Wales. Company Number 13055699. Registered Address Advantage House, Stowe Court, Stowe Street, Lichfield, WS13 6AQ
The guidance and/or information contained in this website is subject to UK regulatory regime and is therefore targeted as consumers based in the UK.
Expert Mortgage Solutions for Your Journey Home.
