Fowler Smith Mortgages & Protection
Colchester
Mortgage advice covering commercial, buy-to-let. Fowler Smith Mortgages & Protection has not recorded a fee structure.
Main contact
About Fowler Smith Mortgages & Protection
Fowler Smith Mortgages & Protection is a UK mortgage broker based in Colchester. Its website describes mortgage advice for buy-to-let, commercial finance. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Fowler Smith Mortgages & Protection works across commercial and buy-to-let from Colchester — a focused listing led by commercial work.
Running commercial alongside buy-to-let usually points at landlord and business-owner clients — semi-commercial units, HMOs and portfolios rather than single flats.
Commercial
Commercial mortgages are underwritten case by case rather than from a rate table. Lenders look at the trading business behind the purchase, the property type and your experience, and terms are negotiated rather than advertised.
Buy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. Alongside commercial lending, that points at semi-commercial units and HMOs rather than single flats.
Read the buy-to-let guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Fowler Smith Mortgages & Protection
Tailored to this listing.
- 1You list commercial and buy-to-let — how many cases like mine do you place in a year, and which lenders do you use for them?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3What deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 4How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 5Do you see clients at your Colchester office, or is this handled by phone and video?
Getting in touch with Fowler Smith Mortgages & Protection
Fowler Smith Mortgages & Protection lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
What does Fowler Smith Mortgages & Protection charge for mortgage advice?
Not recorded on this listing — ask Fowler Smith Mortgages & Protection directly, as it must tell you before you commit. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does Fowler Smith Mortgages & Protection handle?
Fowler Smith Mortgages & Protection records commercial and buy-to-let, working from Colchester. Ask anyway if your case sits outside that list.
Does Fowler Smith Mortgages & Protection arrange commercial mortgages?
Fowler Smith Mortgages & Protection lists commercial lending as an area it covers. Commercial terms are quoted case by case, so expect to share business accounts, details of the property and your trading history before anyone gives you a rate. There is no published rate to compare against, which makes broker access to lenders more important than on a residential deal.
Does Fowler Smith Mortgages & Protection only cover Colchester?
Fowler Smith Mortgages & Protection is listed in Colchester, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Colchester on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.