Foundation Home Loans


Foundation Home Loans is the home of specialist buy to let and residential mortgage lending. With over 290 members of staff, and 21 dedicated regional account managers and internal business development managers, we offer support to you throughout all the stages of your clients’ application. 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 for dedicated phone support and case ownership throughout our underwriting process.

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, multi-unit blocks and short term lets

Visit the Foundation website

Key Features:

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

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 a blip on their credit record.

There is a wide choice of products and flexible criteria to suit a range of extra-ordinary circumstances.

Products and criteria that help you, help your client

Foundation’s key strengths for residential:  

  • Self-employed – latest 1 year’s accounts accepted; retained profits considered
  • Wide range of income types accepted up to 100% including bonus, commission, investment, trust, net rental, and pension
  • Employed – no mininum term in current job (min. 3 months employed)
  • Maximum age 75 at end of term
  • Up to 90% LTV, part and part up to 80% LTV
  • Capital raising for buy to let accepted
  • Interest only affordability calculated on an interest only basis up to 70% LTV
  • Maximum term 40 years
  • Loans up to £2m
  • Up to 4 applicants
  • £ for £ Remortgage
  • Green Mortgages available for the remortgage of properties with an EPC rating of C or above

Foundation Home Loans residential products and criteria

Foundation Home Loans for specialist Buy to Let

  • The Foundation Buy to let range is designed for portfolio and non-portfolio landlords individually or on a limited company basis.
  • Individual or limited company
  • Limited companies with complex structures
  • Up to 4 directors
  • Newly incorporated limited companies acceptable
  • ICR of 125% for limited company borrowers and basic rate taxpayers and 145% for others
  • No minimum term of employment/self-employment and no minimum income
  • Up to 80% LTV
  • Loans up to £2m
  • No limit to portfolio size, subject to max borrowing of £3m with us
  • Cater for specialist properties such as HMOs, short term lets and Multi Unit Blocks
  • HMOs: up to 8 bedrooms and MUBs: up to 10 units
  • Products for first time landlords
  • Ex-pats considered for limited companies only
  • Green Mortgages available for the remortgage of properties with an EPC rating of C or above

Foundation Home Loans’ buy to let products and criteria

Registration Process:

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, click here to complete the registration form. Registration will happen within 24 hours (weekdays only). If there is an urgent case you wish to discuss, please call our sales team between 9am-5:30pm Mon-Fri on 0344 770 8032.

Register with Foundation Home Loans

Contact details:

At Foundation Home Loans, we believe that it’s our relationships with brokers which are key to business success. We love to talk a case through so find your regional Account Manager here or contact our Internal Business Development Managers on 0344 770 8032.

Get in touch with us today.

Need criteria support? Contact the experts on our Broker Support Team.