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.
About Foundation Home Loans
Foundation Home Loans was established as a specialist buy-to-let lender focused on professional landlords. The lender has built a strong reputation among mortgage intermediaries for competitive rates and reliable service. Foundation offers products for standard buy-to-let, HMO, limited company structures, and portfolio landlords.
Foundation serves the professional landlord market with a range of products designed for experienced property investors. The lender understands the needs of landlords with multiple properties and offers portfolio lending with streamlined processes. Foundation has developed expertise in HMO and multi-unit lending.
Foundation Home Loans is broker-only and works with intermediaries across the UK. The lender has built a reputation for pragmatic underwriting and competitive pricing in the specialist BTL space. Foundation is regulated by the FCA and focuses exclusively on the buy-to-let market.
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. View rates on Foundation Home Loans
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application 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?
Yes, Foundation Home Loans is a leading HMO lender, offering products for properties with up to 8 or more bedrooms. They also lend on multi-unit blocks.
Can I get a limited company BTL mortgage from Foundation Home Loans?
Yes, Foundation Home Loans offers SPV limited company buy-to-let products, which are popular with portfolio landlords for tax efficiency.
Is Foundation Home Loans good for portfolio landlords?
Yes, Foundation Home Loans has no maximum property count and offers dedicated products for professional portfolio landlords with flexible criteria.
How to Apply
Broker only. Foundation Home Loans products are available through mortgage brokers. Find a broker with Foundation Home Loans on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Fleet Mortgages | Buy-to-Let, Limited Company, HMO+1 | Specialist | 80% |
| Keystone Property Finance | Buy-to-Let, Limited Company, HMO+1 | Specialist | 80% |
| Paragon Bank | Buy-to-Let, Commercial, Development+2 | Specialist | 80% |
| BM Solutions | Buy-to-Let, Limited Company, HMO | Bank | 80% |
Related Articles
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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.
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