Foundation Home Loans
Specialist LenderFoundation Home Loans is a specialist buy-to-let lender offering products for professional landlords, including HMO, limited company, and portfolio lending. They have built a strong reputation among intermediaries for their competitive rates and reliable service in the professional landlord space.
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Lending Focus
Foundation Home Loans offers mortgage products across 3 categories including Buy-to-Let, Limited Company, HMO.
Key Features
- Specialist buy-to-let for professional landlords
- HMO lending up to 8+ bedrooms
- Limited company SPV buy-to-let products
- Portfolio landlord solutions with no maximum property count
- Competitive rates with fast broker-only service
Pros & Cons
Pros
- Specialist BTL expertise for professional landlords
- HMO lending for properties with 8+ bedrooms
- No maximum property count for portfolio landlords
- Competitive rates among specialist BTL lenders
Cons
- –Broker-only — cannot apply direct
- –Buy-to-let only — no residential mortgage products
- –Does not accept adverse credit
Fees & Charges
Arrangement Fee
Typically £995–£1,495 depending on product
Valuation Fee
Based on property value — usually £200–£1,200
Early Repayment Charge
Typically 2–5% during fixed-rate period
Overpayment Allowance
Up to 10% per year on most products
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for Foundation Home Loans. In the meantime, visit their website for the latest rates.
View rates on Foundation Home LoansApplication Process
Processing Time
2–3 weeks from application to offer
Online DIP
Yes — available online
Offer Valid For
6 months
Lending Criteria
Maximum LTV
80%
Frequently Asked Questions
Does Foundation Home Loans offer HMO mortgages?
Can I get a limited company BTL mortgage from Foundation Home Loans?
Is Foundation Home Loans good for portfolio landlords?
How to Apply
Broker Only
Foundation Home Loans products are only available through mortgage brokers. Use our broker directory to find a broker with Foundation Home Loans on their lender panel.
Contact Information
Need a Foundation Home Loans Broker?
Find FCA-regulated mortgage brokers who have Foundation Home Loans on their lender panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.