Foundation Home Loans
Foundation Home Loans

Foundation Home Loans

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


Key Features Video Tools & Calculators


Proc Fees

Product Gross
All 0.5%
Product Type When does the lender pay PMS? Frequency
All Cases completing between 1st - 15th - paid same month
Cases completing between 16th -31st - paid following month

Lenders send payments by BACS which can take anything up to 5 working days to clear at PMS. PMS then make payment to brokers once the funds have cleared in our account.  



Key Features

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    Up to 80% LTV

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    Loans up to £1.5m (dependant on product)

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    No limit to portfolio size, subject to maximum borrowing of £3m with us

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    Catering for specialist property types


Post Code Restrictions: Lender-InfoBoxWhite

Property must be located in England and Wales.

Scotland & Northern Ireland are not considered.

Landlords of property in Wales must be registered with Rent Smart Wales (with the exception of short term let applications).

Register Lender-InfoBoxWhite

Register to place business with Foundation Home Loans:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.


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

Visit the Foundation website

Foundation Home Loans for specialist residential

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.

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, overtime and commission, investment, trust, net rental, retirement income
  • Employed – no min term in current job (min 3 months employed).
  • Max age 75 at end of term
  • Up to 85% 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
  • Max term 40 years
  • Loans up to £2m
  • Up to 4 applicants
  • £ for £ Remortgages

Jump to 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

Jump to Foundation Home Loans’ buy to let products and criteria

Why Foundation?

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.

The online portal for easy case submission

Register with Foundation here

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.

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.


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Foundation Home Loan videos

Residential Video

Specialist property types

Who we are

Guides, calculators and useful links