In Business since 1996 0161 962 7800

Foundation Home Loans

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

Reasons to use Foundation for your next specialist residential case:

Who for?

  • Self-employed and employed
  • Clients with multiple and unusual income sources
  • Holders of credit blips / lower credit scores
  • Eligible Professionals looking for up to 6 x income

How much?

  • Maximum loan £2m
  • Maximum term 40 years
  • Maximum age 75 at end of term
  • No minimum income

What for?

  • Capital and repayment mortgages up to 90% LTV
  • Interest only, affordability calculated on an interest only basis up to 70% LTV
  • A part and part mortgage up to 80% LTV
  • Green mortgages for properties with EPC rating A-C

Why use Foundation for your next BTL case?

Who for?

  • Individual or limited company
  • Limited companies with complex structures
  • Newly incorporated limited companies acceptable
  • First time landlords considered
  • Ex-pats considered as individuals or limited companies

How much?

  • Up to 80% LTV on core range
  • Loans up to £2m on core range
  • ICR of 125% for limited company borrowers and basic rate taxpayers and 145% for others
  • No limit to portfolio size, subject to maximum borrowing of £5m with Foundation

What for?

  • Specialist properties such as HMOs, short term lets and Multi Unit Blocks
  • Green Mortgages available for purchase and remortgage

Why Foundation?

Foundation is the home of specialist buy to let and residential mortgage lending. With over 300 members of staff, and dedicated regional account and telephone 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.

  • 3mc Exclusive Products

Lender Information

How to Submit Business

Please call the specialist mortgage desk on 0161 962 7800 for further information on Foundation Home Loans

Please register on 3mc’s 3mcView portal to submit all enquiries and AIP/DIP’s.

 

Application Forms & Downloads

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