Foundation Home Loans is a specialist intermediary-only lender that provides Buy to Let and Residential mortgages for clients with more complex needs. 

When it comes to Residential, Foundation can help you with a wide range of income types accepted up to 100% including bonus, overtime and commission, investment, trust, net rental, retirement income and self-employed clients. With a max age of 75 (at end of term) and up to 85% LTV or part and part up to 80% LTV, we are sure there will be a product to suit. Our key criteria includes:

  • Max term 40 years
  • Loans up to £2m
  • Up to 4 applicants
  • £ for £ remortgages

Foundation offer Buy to Let products for Individual landlords or Limited Companies (with up to 4 directors). With ICRs of 125% for limited company borrowers and basic rate taxpayers and 145% for others, there is no minimum term of employment/self-employment and no minimum income. Some of our key criteria include:

  • Up to 80% LTV
  • Loans up to £2m
  • No limit to portfolio size (max. borrowing of £3m with us)
  • Specialist properties such as HMOs, short term lets and Multi Unit Blocks
  • Products for first time landlords
  • Green Mortgages available for the remortgage of properties with an EPC rating of C or above

Products from Foundation Home Loans can be accessed by using Dynamo for Intermediaries as your payment route or you can choose our expert packaging service. Please contact us for further details.

Proc Fees

Product Type Gross % Net %
Buy to Let and Residential - Packaged 0.85% 0.45%
Buy to Let and Residential - Direct 0.50% 0.45%