Foundation Homes Loans works with intermediaries to help their clients find residential and buy-to-let mortgages. They cater to lenders with atypical needs, such as lenders with historic credit problems and portfolio landlords, as well as offering standard mortgage schemes. An in-house team is available to discuss specific cases if necessary.
We've teamed up with L&C Mortgages to help you compare live rates from over 80 lenders.
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What types of mortgages can I get with Foundation Home Loans?
- Fixed rate Your interest rate will remain locked for a set amount of time. After your fixed-rate period ends, you’ll be switched onto a reversion rate which sits a specific percentage above the LIBOR rate.
- Remortgages You can switch away from your existing mortgage provider via the lender’s remortgage products.
- Buy to let This mortgage allows you to borrow money to purchase an additional property and let it out.
How to apply
You can apply for a mortgage through one of the lender’s intermediaries.
What information is needed to apply?
You’ll need to provide proof of ID, proof of residency and your last three monthly bank statements. Employed applicants must provide their most recent P60 and their last three monthly payslips. Self-employed applicants must provide two years worth of accounts.
Eligibility criteria
You must be aged between 18 and 75 buying a property in England and Wales.
Employees must have been in their current job for at least six months. Self-employed applicants must be able to show at least two years worth of accounts
Any previous CCJs or defaults you suffered must be satisfied. Any IVAs or bankruptcies must have been satisfied at least three years ago. You must not have taken out a payday loan or debt management plan in the last 12 months. Applicants receiving income support or jobseeker’s allowance will not be considered.
Contact information
For general enquiries, call 0344 770 8030, email customerservices@foundationhomeloans.co.uk or write a letter to Foundation Home Loans, 5 Arlington Square, Downshire Way, Bracknell, Berkshire, RG12 1WA.
Frequently asked questions
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