Some foster carers can struggle to find a lender that will give them a big enough mortgage to suit their needs. This is because some lenders do not understand foster carers or how foster care income is paid. We understand that your foster care income is tax-free and that you might not already complete a tax return each year. We will assist you to gain the correct documents to give your mortgage application the best chance of success. If you have any other income this might be taken into account towards your application, but this will vary based on the lender.