023 8045 6999

023 8045 6999

Foundation Home Loans

About Us

Documents
Proc Fees
ProductGross Fee paid by lenderNet fee paid to regulated brokerNet Fee paid to non-regulated & client referral service
All Products0.85%0.45%0.22%
Semi Commercial1.20%0.60%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
resi fhl

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

Why Foundation?

What Foundation is good at:

  • Residential mortgages for borrowers with complex income, employment or credit history
  • Buy-to-let mortgages for landlords, portfolios and limited companies
  • Specialist property types including HMOs and multi-unit blocks

Foundation Home Loans for specialist residential case:

Not every case is straightforward, or ordinary. Some clients have circumstances that are a bit more, well, extraordinary.

That is where we can help. Whether it is a client who has recently changed jobs, is self-employed, has income from unusual sources, or some blips on their credit record, we can help.

There is a wide choice of products and flexible criteria to suit a range of extraordinary circumstances.

Reason to use Foundation Home Loans for your next specialist residential case:

Who for?
  • Self-employed – directors, partners and contractors; retained profits considered
  • 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
How much?
  • Maximum loan £2m
  • Maximum term 40 years
  • Maximum age 75 at end of term
  • No minimum income
  • Maximum number of applicants is 4 (immediate family)
What for?
  • Capital and repayment mortgages – see website for LTV limits
  • 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, in both the buy to let and residential ranges

Why use Foundation Home Loans for your next BTL case:

Who for?
  • Individual or limited company
  • Limited companies with complex structures
  • Up to 4 directors
  • Newly incorporated limited companies acceptable
  • No minimum term of employment/self-employment and no minimum income
  • First time landlords considered
  • Ex-pats considered as individuals or limited companies
How much?
  • Loans up to £2m on core range
  • ICR of 125% for limited company borrowers and basic rate taxpayers and 145% for others
  • No limit to portfolio size, subject to maximum borrowing of £5m with Foundation
What for?
  • Specialist properties such as HMOs, short term lets and Multi Unit Blocks
  • HMOs: up to 8 bedrooms and MUBs: up to 10 units
  • Green Mortgages available for purchase and remortgage
  • Need help? Call our team now on 023 8045 6999
For Intermediaries Only
Complete FS Limited is Registered in England & Wales with Company No. 8163434. Registered Office at Fleming Court, Leigh Road, Eastleigh, Hants, SO50 9PD.

Complete FS Limited is authorised and regulated by the Financial Conduct Authority FCA Register Number: 738129 Please note we are a Packager and Broker, not a lender. Complete FS Limited may receive commissions that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

The FCA does not regulate most Buy to Let mortgages.

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