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Foster Carer Mortgage Calculator

How much could you borrow for a mortgage?

stimate your borrowing power based on your fostering allowance using our specialist tool. No credit checks here! Simply fill out the information below to get your estimate!

Mortgage Support for Foster Carers

Fostering income is specialised, and so is the mortgage advice required to use it. These guides explain which lenders accept fostering allowances and how to package your application for success.

4 mins

Mortgages for Foster Carers

A detailed look at which lenders accept fostering income and how they calculate affordability for carers.
Read Foster Carer Guide

4 mins

What does a mortgage broker do?

Learn how a specialist broker can help you navigate lender criteria to secure a mortgage based on your unique income.
What does a broker do?

6 mins

Complex Income Mortgages

Find out how we help clients with non-standard income streams, such as fostering allowances, find the right mortgage deal.
Read Complex Income Guide

Excellent

4.94 based on 154 reviews

Nathan & Erin

Verified user

Dan was fantastic from start to finish. It took him less than a day to secure us a mortgage offer on a competitive rate. Never a question he was unable to answer whether it was mortgage or life insurance related. Highly recommend, A1 service!

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United Kingdom, 2 months ago

Gary

Verified user

Daniel helped us again renewing our mortgage and was extremely helpful throughout the entire process. Emails were responded to promptly, and any queries we had were dealt with without hesitation. Highly recommend.

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United Kingdom, 2 months ago

Costas

Verified user

We were very happy with Daniel at Just Mortgages as he helped us with our mortgage journey.He was very helpful and the process was quicker then we expected.Excellent customer service and very professional....5 Star review for Just Mortgages!

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United Kingdom, 8 months ago

Yaser & Amanah

Verified user

Daniel was excellent, he really helped us get the right mortgage package. He helped me understand each package and rate. Daniel was very patient with me. Thank you Daniel! I honestly highly recommend

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United Kingdom, 8 months ago

Timothy

Verified user

As a Landlord with a large portfolio the number of products available are limited. Daniel was great identifying competitive products and we agreed to three buy to let mortgages which completed without any issues. All questions and responses were anwered in a timely and professional manner. I would recommend Daniel and Just Morgage Brokers.

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United Kingdom, 8 months ago

Verity

Verified user

Just Mortgage Brokers are very helpful and responsive. Would definitely recommend their services to everyone

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United Kingdom, 8 months ago

Daniel

Verified user

Excellent support getting my initial mortgage and subsequently remortgaging. Very friendly service, always transparent and honest. Recommend highly

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United Kingdom, 8 months ago

Sarah

Verified user

It’s the second time we have used Just Mortgage Brokers & they were amazing! Daniel made everything so easy for us. We will definitely use them every time & recommend to friends & family.

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United Kingdom, 8 months ago

Emma

Verified user

Super easy to use, saved loads of time and stress having to sort out a new mortgage ourselves. It's easy to talk to a person on the phone and everyone has always been very helpful. This is the second time we've just JM and I would highly recommend!

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United Kingdom, 8 months ago

Ben

Verified user

Smooth as ever, efficient and charming - thanks team!

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United Kingdom, 8 months ago

FREQUENTLY ASKED QUESTIONS

Yes, while many high-street banks won’t count fostering allowance, we work with specialist lenders who view it as a 100% valid source of income.

Most lenders prefer to see a 12 to 24-month track record of fostering, though some can consider your application with a shorter history.

Yes, it is possible. Certain specialist lenders will consider your application based solely on your fostering allowance, provided the affordability fits.