Foundation Home Loans.

How to register with this lender as a new user

Click here to complete the registration form and receive your login to use the Foundation Home Loans portal.

Registration will happen within 24 hours (weekdays only).

If there is an urgent case you wish to discuss, please call our sales team between 09:00-17:30 Mon-Fri on 0344 770 8032.

How to add Mortgage Club as a payment route with this lender

N/A

How to contact this lender

Our team has a wealth of experience and knowledge and will be happy to help.

Take a look here to find your Regional Account Manager or contact our Broker Desk on 0344 770 8032.

Foundation Home Loans is the trusted specialist intermediary-only lender for portfolio and limited company buy-to-let mortgages and ‘near-miss’ residential mortgages. Need a home for your specialist mortgage cases? Solution Found.

 

For your portfolio landlord…

Our approach to portfolio landlords is simple, flexible and customer-focused…

  • Portfolio assessment valid for 6 months
  • No limit to portfolio size, subject to maximum borrowing of £3m with us
  • No business plans or asset and liability statements needed
  • Bespoke stress test for the background portfolio
  • No business plans or asset and liability statements needed
  • Simple form to fill in and processing times are the same as non-portfolio cases
  • The rental calculation is either 125% x pay rate (limited companies) or 145% x pay rate (individuals)

 

Limited company lending

  • Newly incorporated limited companies acceptable
  • Complex company structures considered
  • No maximum age
  • ICRs of 125% x pay rate for limited company cases (5-year fixed rates)
     

Buy To Let overview

  • Buy-to-let products available for limited companies and portfolio landlords
  • Limited companies and individuals
  • First time landlords
  • Expats for limited companies only
  • HMOs, Multi Unit Blocks and Short Term Lets catered for Loans up to £1.5m
  • No limit to portfolio size, subject to maximum borrowing of £3m with us
  • ICRs of 125% x pay rate for limited company cases (5-year fixed rates)
     

To find out more about our buy-to-let products and criteria, click here

Residential Range

Foundation’s residential range is designed for clients who just miss out on mainstream mortgages from the high street for reasons such as credit scores or unconventional income.

  • Up to 90% LTV
  • Loan amount up to £2m at 65%
  • Up to 4 applicants considered
  • Max age 75 (end of term)
  • First time buyer options
  • £50k Minimum loan
  • For self-employed or employed
  • Gifted deposits accepted


To find out more about our residential products and criteria, click here

 

Case submission

Our new online broker portal makes submitting a case quick and simple. If you already have a login, just click here to get started.  If you don’t have a login yet, your firm’s Super User can set you up instantly.  If you are not sure who your firm’s Super User is, please contact us.

 

Contact details

Our team has a wealth of experience and knowledge and will be happy to help. For your specialist cases, from complex buy-to-let right through to residential mainstream misses, turn to Foundation… Solution Found.

Take a look here to find your Foundation Regional Account Manager or contact our Broker Desk on 0344 770 8032.

Fee received from lender
(Gross fee)
We'll pay you
(Net fee)
Buy to Let 0.500% 0.450%
Residential 0.500% 0.450%