Foundation Home Loans

Portfolio Guide

How to support portfolio landlords What they need to know

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

Buy To Let Overview

  • Up to 80% LTV
  • Available to Limited Companies and Individuals
  • No minimum income requirement
  • First Time Landlord products also available
  • No minimum period of employment or self- employment

Residential Range Overview


Our Residential range is designed for clients with historic blips on their credit rating. We offer three simple tiers as well as options for first time buyers

The products:

Residential F1

  • For clients with no adverse credit in the last 36 months
  • No IVAs or bankruptcies
  • Rates from 2.24%
  • Up to 85% LTV

Residential F2

  • No major adverse credit within the last 24 months
  • Minor blips accepted (nothing in the last 6 months)
  • No IVAs or bankruptcies
  • Rates from 2.49%
  • Up to 85% LTV

Residential F3

  • CCJs / Defaults / Mortgage arrears considered within the last 24 months
  • Other blips accepted (nothing in the last 6 months)
  • Bankruptcies and IVAs considered
  • Rates from 2.84%
  • Up to 80% LTV

Residential FTB

  • No major adverse credit within the last 24 months
  • Minor blips accepted (nothing in the last 6 months)
  • No IVAs or bankruptcy
  • 80% and 85% LTV option available

From Foundation, we are pleased to be working closely with Sylvia & Annette. Sylvia Berwin is our in-house underwriter who works in our office 3 days a week. Annette Tilbury is National Account Manager and has worked closely with the Packager community for over 25 years

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