Fowler Smith Mortgages & Protection is an FCA-regulated mortgage broker based in Colchester, CO1 1PG, specialising in Buy-to-Let, Development, Residential. Rated 5/5 from 272 reviews.
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Meet our experienced team of mortgage professionals
Danny Williams
3 Mar 2026Joanna and Leah were exceptional in helping me with my mortgage offers process. There knowledge was excellent, always offering very clear advice and explaining all aspects of the process and documentation in a way that made things very easy to deal with. They both were very effective, keeping things moving, whilst making sure I was quickly updated at each stage of the process. Very easy to contact Excellent service and we would highly recommend them both
Sophia Verdi
27 Feb 2026After working alongside Joanna for a number of years as an Estate Agent, I had no issues in using her for my personal mortgage! A perfect experience from start to finish with what I thought would be a complicated application, turned out to be of ease for both Joanna & Leah! Wouldn’t hesitate to recommend them both to anyone and will most definitely be returning again. Thank you both SO much, an absolutely faultless experience!
Chloe Harrod
25 Feb 2026Working with Travis and Leah on our remortgage was honestly one of the best decisions we made. They made the whole process feel simple and manageable, keeping us informed every step of the way. We really appreciated how approachable and patient they were, especially when explaining things we weren’t familiar with. It felt like they genuinely cared about getting the right outcome for us, not just any deal. We’re so grateful for all the support and wouldn’t hesitate to recommend them to anyone looking for mortgage advice.
Matthew Berrill
17 Feb 2026Tara and Natasha were exceptional in helping us with our mortgage offer process. Tara's knowledge was excellent, always offering very clear advice and explaining all aspects of the process and documentation in a way that made things very easy to deal with. Natasha was very effective, keeping things moving effeciently and with no issues, whilst making sure we were quickly updated at each stage of the process. Overall an excellent service and we would highly recommend them both.
leila hamza
13 Feb 2026Tara and Natasha have been absolutely amazing through my mortgage process. As a first-time buyer, everything was explained clearly to me and removed so much stress from the process. Any question I had was responded to immediately, and I felt supported through everything. When there were difficulties with the lenders, Tara and Natasha were great at chasing them up and making the process as smooth as possible. They identified lots of alternatives for me, and were consistent in their hard work and effort. I experienced so much patience and reassurance throughout this whole process, and I couldn’t recommend them enough. They really went above and beyond, thank you so much!
No memberships listed.
Regulatory Status
Direct Authorisation
FCA Number
305330Practical guides and explainers from our blog — relevant to this mortgage type.
The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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