FOR IMMEDIATE RELEASE Colchester, United Kingdom – 29 th  January 2026 Fowler Smith Mortgages & Protection is delighted to confirm an expanded sponsorship agreement with the decorated motorsport talent Taylor O’Flanagan for the forthcoming 2026 Caterham Seven Championship season. The extended partnership follows a successful two-year engagement between Fowler Smith and Taylor’s race team, which began in 2024 and continued through 2025, a campaign that saw Taylor recently crow

I want to start this article by saying I am in no way against employer benefits. I think the employers who make the choice to look after their team should be commended. Employer benefits are helpful – but they’re designed for groups. Your life isn’t. Some choices are too personal to outsource. There are simply some decisions you would never let your employer make for you. I’d love you to picture your HR setting up some form of speed dating and telling you that “this is your f

2026 is already set to be a busy one. The year has started positively across the board. Properties seem to be moving fairly swiftly. Lenders have been cutting rates. Economists are predicting inflation to continue falling, which then has prompted anticipation of further base rate cuts throughout the year. All of this speculation is supported by SONIA swap rates, too. As of the 13th January 2026, 5 year swaps sit at 3.580%. Compared to 4.253% a year prior, it’s quite the diffe

At Fowler Smith Mortgages & Protection, we are always aiming to add value. We look to add value to everybody we communicate with - it's our overall mission. Clients. Colleagues. Peers. Community. Now, with our latest initiative we are going to be extending that even further and giving back to the environment. As ever, we're increasingly conscious of our carbon footprint. We use less paper, recycle, have re-usable glass water bottles in the office instead of throwaway plastics

At Fowler Smith Mortgages & Protection, we recently hosted a cheese and wine event ready for the festive period. We invited some local businesses, peers and clients. We hosted the event at our head office on Colchester High Street, and invited people to make donations to our firm's chosen charity, Great Ormond Street Hospital. A link to donate to GOSH can be found here: https://www.gosh.org/donate/

In this instalment of The Mortgage Stories series, Natasha Hughes our Lead Senior Client Account Executive reads out feedback left by a client for Tara John, one of our Senior Mortgage & Protection Advisers.

With the festive period fast approaching, all of us here at Fowler Smith Mortgages & Protection want to wish you all a happy Christmas and New Year. We thank you for all your support in 2025 and cannot wait to assist with any of your requirements in 2026 and beyond. Please see our opening hours below.

Throughout the year, we do our best to provide for our loved ones. From keeping a roof over their heads to ensuring daily comforts. The holiday season is all about showing the people you care about just how much they mean to you. There’s one present that can truly last a lifetime: protecting your family’s future with life insurance. Life insurance might not feel as exciting as a wrapped present, but its value becomes clear when it’s needed most. Whether it’s replacing lost in

In early December, the team at Fowler Smith Mortgages & Protection enjoyed our annual event. It comprised of some down time, team meetings with speeches given by both directors Jonathan and Charlie, followed by a lovely meal and finally an evening party. The team have achieved some major accomplishments this year - surpassing previous new and completed business results. The team are excited for our fifth financial year with firm goals and the energy to match!

Jonathan Fowler reads out feedback regarding a client's journey with Joanna in our latest instalment of The Mortgage Stories.

Leah joined us in November 2023, after working previously in the NHS. Leah joined the financial services industry keen to learn, and she has demonstrated exactly that. Now, two years in, Leah is exceptional at ensuring a seamless client journey and supports the brokers in our firm significantly. We are thrilled to see Leah's dedication to our business and how she is onboard with our vision, and always happy to assist on any client queries along the way. Congratulations Leah o

We're proud to be nominated for the Mortgage Strategy Awards 2026 category of 'Best Mortgage Broker 2026' (8-50 advisers). Our mission is to add value to everybody we communicate with, and our team demonstrate this with every client conversation, with every business relationship and within our industry. To be nominated is a great feat and we look forward to hearing the initial results from the industry vote, ending 12th December. To vote for us, visit: https://mortgagestrateg

We are proud to announce that Travis Legge becomes Senior Associate Mortgage & Protection Broker. Travis joined the firm in November 2023, and since then has excelled in terms of his performance, knowledge and building rapport with clients and business relationships alike. Travis is focussed on providing an unmatched service, and is a firm believer in our company vision - looking to help drive it forwards wherever possible. Travis' clients leave him exceptional feedback and f

Today, the 15 th  November 2025, marks Fowler Smith Mortgages & Protection’s 4 th  birthday. Since our inception back in 2021, we’ve seen 19 Bank of England Base Rate changes, over 2,000 applications submitted, and approximately 17,520 coffees consumed by our team! I’m incredibly proud to see our business continuing to grow, to succeed and consistently provide a service to our clients that we would expect to receive ourselves. The industry is ever-evolving, and we adapt with

It’s worth the reminder that Bank of England’s base rate doesn’t directly correlate to the fixed rates we see on offer by lenders. They’re more dictated by the SONIA swap rates, and whilst – yes – the overall UK economy, global economy and inflation do have an effect on these, it’s not a direct correlation to base rate. The latest base rate meeting was held earlier this month which is understandable considering Rachel Reeves delivers her budget on the 26 th November, however

The Mortgage Stories is a recurring segment on our social media platforms, where we ask clients a series of questions and share their responses anonymously.

What we’re seeing in the market at present is that lender appetite remains high. It seems that although there were changes to stamp duty...

Here at Fowler Smith Mortgages & Protection, I'm exceptionally proud to announce that from 2026, we are opening up two intakes - one in...

We are delighted to announce that Travis Legge has been honored with the title of Most Client-Focused Mortgage Broker 2025 (East of...

“2025 marks 50 years since women in the UK were first legally allowed to apply for a mortgage without a male guarantor.” As a Senior...