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 Net
All 0.50% 0.45%
Product Transfer 0.3% 0.28%
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.


Residential By Foundation

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.

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 worker up to 5.5x enhanced income multiples
  • 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

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)


Buy To Let By Foundation

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: up to 6 occupants
  • Green BTL Mortgages EPC A-C
  • Day 1 remortgage from cash purchase
  • First time Landlords incl for HMOs

Why use Foundation for your next BTL case?

Who for?

  • Individual or portfolio landlords
  • 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 (>12 months no BTL) including for HMOs

How much?

  • Rental income stressed at 125% for limited co and basic tax, 145% for higher 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)

Solutions By Foundation Home Loans 

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:

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 7-10 bedrooms to 75% LTV
  • Large HMOs unlimited size to 65% LTV
  • MUBs: up to 10 units
  • Mixed use 60% residential max 40% commercial

Why Foundation?

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’ 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 today. 

The online portal for easy case submission

Register with Foundation here

Our 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.

If you wish to submit Mixed-Use (part commercial) cases, please tick the box for ‘Mixed-use’ on registration to attract their enhanced proc fee.

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 contact our Internal Business Development Managers on 0344 770 8032 or request a call back here.




Foundation Home Loan videos

Residential Video

Specialist property types

Who we are

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