Complete Christmas

023 8045 6999

023 8045 6999

Foundation Home Loans

About Us

Documents
Proc Fees
Product Gross Fee paid by lender Net fee paid to regulated broker Net Fee paid to non-regulated & client referral service
All Products 0.85% 0.45% 0.22%
Semi Commercial 1.50% 0.75% 0.30%

Foundation – the home of specialist mortgages

Foundation Home Loans is the home of specialist buy to let and residential mortgage lending. With our dedicated sales and underwriting teams, we offer support to you throughout all the stages of your clients’ applications. Intermediaries tell us they like our easy-to-use portal and flexible underwriting. It’s our aim to be the most trusted lender in the specialist sector so contact us today.
btl fhl

Buy to Let by Foundation is the home of specialist criteria for limited companies and portfolio landlords.

Good at:

  • UK landlords with F1 – F3 credit criteria
  • Portfolio and non-portfolio landlords
  • Short Term Lets
  • Holiday Lets stressed at 125% for all using seasonal income
  • HMOs and Large HMOs
  • MUBs up to 10 units
  • Green BTL Mortgages EPC A-C
  • Day 1 remortgage from cash purchase
  • Consumer Buy to Let

Why use Foundation for your next BTL case?

Who for?

  • Portfolio and non-portfolio landlords
  • Individual and Limited Company/SPV applicants
  • Limited companies with complex structures
  • Up to 4 directors and unlimited shareholders
  • Newly incorporated limited companies acceptable
  • No minimum term of employment/self-employment and no minimum income
  • First time landlords considered including HMOs
  • Ex-pat options available
  • Those looking to improve the energy efficiency of their property with our EPC Saver

How much?

  • Rental income stressed at 125% for limited co and basic rate taxpayers, 145% for higher rate and 135% for mixed
  • Loans up to £2m on core range
  • Large Portfolio – aggregate borrowing above £5m+
  • Large Loans (Up to £5m)
  • Max age 85 (no max age for Ltd Companies)
soloutions fhl
Solutions by Foundation is the home of broader specialist criteria for an additional layer of property or borrower types beyond that typically catered for in the specialist buy-to-let market, such as mixed-use (part-commercial) properties, larger multi-occupation properties and Ex-pats.

Good at:

  • Specialist mixed-use (part commercial) properties with minimum residential 60%+ of value
  • Large HMOs – no bedroom limit
  • MUBs up to 10 units
  • Ex-pats on an individual or Ltd Company basis
  • Day 1 remortgage
  • Multiple Properties One Title – with up to four properties on one title

Why use Solutions by Foundation for your next specialist case?

Who for?

  • UK Individual or portfolio landlords
  • Limited companies/SPVs
  • Ex-pats on an individual or Ltd Company basis
  • Commercial Landlords with mixed use properties

How much?

  • For Large HMOs up to 10 bedrooms to 75% LTV
  • Large HMOs unlimited size to 65% LTV
  • MUBs: up to 10 units
  • Mixed use 60% residential max 40% commercial

Residential by Foundation is the home of manual underwriting for complex residential cases – offering specialist options for first-time-buyers, movers and remortgagers with layers of complex income, employment or credit, who don’t fit mainstream lending criteria.

Why use Residential for your next specialist residential case
Good at:
  • Self Employed, complex/mixed income, complex employment
  • First Time Buyers
  • Low credit score/ credit history
  • F1 – F4 Credit Criteria
  • 100% of more income types considered
  • Professionals up to 6x and Key Workers up to 5.5x enhanced income multiples
  • Joint Borrower Sole Proprietor
  • Loans up to £2m
  • Interest only, affordability calculated on an interest only basis up to 70% LTV
  • Capital raising for buy to let purchase accepted
  • Part and part mortgages – see website for LTV limits
  • Green mortgages for properties with EPC rating A-C

Why use Residential for your next specialist residential case?

Who for?

  • Self-employed – directors, partners and contractors
  • Employed – no minimum term in current job (minimum 3 months employed)
  • Clients with multiple and unusual income sources
  • Holders of credit blips / lower credit scores
  • Eligible Professionals looking for up to 6 x income
  • £ for £ remortgage with no loan to income cap
Who for?
  • Self-employed – directors, partners and contractors
  • Employed – no minimum term in current job (minimum 3 months employed)
  • Clients with multiple and unusual income sources
  • Those with recent credit blips / lower credit scores
  • Eligible Professionals looking for up to 6 x income
  • £ for £ remortgage with no loan to income cap
  • Those looking to improve the energy efficiency of their property with our EPC Saver
Quick Enquiry
BORIS Login
BORIS Register

Please note

Our phone lines will be closed on Thursday 1st May until 10.30am for staff training.

Close