Here is our guide to cutting through the terminology to ensure you are recommending the correct product for your client.

ERC-3 is our name at Foundation for the mortgage products which benefit from a 5-year fixed rate but only carry Early Repayment Charges for 3 years.

If you have a customer who is Self-employed and works in the Construction Industry, it’s always best to double check if they are on the CIS Scheme. Here is why:

Do you have a client who fits with some of our Regional Account Managers favourite criteria?

What can women do to progress in our industry? Clare Beardmore, Director at L&G Mortgage Club shares insights from her experience rising to the role of Director at L&G.

With the increased turning of the legislative screws on landlords, particularly around HMOs, what are some of the challenges for landlords this year? Peter Foulds - HMO specialist Surveyor from Appraisers UK explains how local authorities’ regulations and licences for room sizes create a complex picture which brokers and landlords needs to pay attention to.

Our Regional Account Manager, David Wheatley answers your criteria queries for your next mortgage.

Will this be a good year? Richard Merrett Head of Strategic Development (Mortgages) fromSimplyBiz speaks to Grant Hendry on how this less frenetic market gives advisors the chance to broaden their offering and enhance consumer experience - and for lenders and distributors alike to review their strategies.

A wide range of products and customer types are back on the sourcing systems. Despite the doom and gloom, it looks like a lot of customers sat on decisions in Q4, then got started in the new year. But is it just remos for 2023? Nathan Reilly, Customer Relationship Director of Twenty7tec tells Grant Hendry what product types are being searched for in 2023. 

Our Regional Account Manager, Jack Gerasimov answers your criteria queries for your next mortgage.

Our National Sales Managers, Paula Priest and Nathan Goodridge answer all your burning questions on BTL, Residential and Complex cases.

Are landlords deviating from their home turf, and what sorts of properties are landlords choosing? Michael Purvis reveals to Grant Hendry what solicitors are seeing now.

Hear it straight from an underwriter. Laura Reynolds reveals her top tips for brokers and her favourite criteria 

About to submit a full mortgage application to us? Then check out these top tips to ensure you don’t accidentally cause a delay or processing error.

It's costly, it's complicated and it's confusing. So where can mortgage clubs, brokers and lenders start?

There are many common questions that IBDMs and RAMs are often asked by brokers. Gemma Lang, Regional Area Manager highlights a few here to help anyone with these queries…

How do expert brokers in specialist mortgages maintain relationships with their larger-portfolio landlords through changing lender requirements and rate changes? 

How can brokers be confident in their criteria knowledge for the different types of clients in these times?

Accepting multiple incomes, allowing £ for £ remortgages and a Professionals mortgage range are just some of the reasons Foundation is the home of Specialist residential mortgages.

Residential clients with layered complexity in employment, near-mainstream credit and and only 1 year's accounts? Solution Found.

For Buy to Let mortgages within an SPV with a Directors loan as the deposit, and more… Solution Found.

Limited companies with complex structures and multiple layers of directors? Solution Found.

What does the Foundation culture mean for your business?

Is the legal side of our industry lagging technologically?

How is the current economy influencing the appetite for mortgage lending?

Many lenders only accept re-mortgage applications where the applicant’s existing mortgage has been running for at least six months. This restriction can prove a disadvantage for certain buy to let borrowers, so some lenders including Foundation now permit re-mortgaging within six months of initial purchase.

How can brokers work best with their packagers and solicitors? And what specialist mortgage types are growing this year? 

With £342bn in mortgage rate maturities next year and clients’ cost of living increases, what help can you offer as an adviser now? 

Do you understand the new Consumer Duty regulations and what they might mean for your business? We interviewed Christine Newell, Mortgages Technical Director from Paradigm, and an industry expert on what Mortgage Brokers need to know about the changes.

This is a summary of how to complete a portfolio template right first time, showing the different property types and ownership types of the properties in an example portfolio, demonstrating the mandatory fields and how they are formatted.

Unfortunately, the Covid 19 pandemic affected many Self-Employed business owners and their staff. However, as a specialist lender who underwrites residential cases individually, we have worked hard to apply a risk-based and common-sense approach to manually underwriting these types of borrower, in order to offer the very best criteria and service possible. 

As you know, we are a BTL specialist lender specialising in Limited Company and Portfolio Landlords.

We are a BTL specialist lender with thousands of portfolio landlords on our books, but why do brokers choose to use us for their portfolio BTL cases?

As you may know, Foundation Home Loans lend up to 90% LTV for our F1 Residential borrowers and up to 85% LTV for our F1 Buy to Let Landlords for standard properties.

As you know, Foundation Home Loans lend on Multi-Unit Blocks, but what constitutes as a Multi-Unit Block? As part of our series on Specialist Property Buy to Let Mortgages, Gemma Lang explains:

It’s no secret that the last few years have been difficult, and 2022 brings its own challenges: the cost-of-living crisis is one of them.

We've created a guide designed to help provide you with all the information you need regarding the documents we require you to submit for BTL cases.

We've created a guide designed to help provide you with all the information you need regarding the documents we require you to submit for residential cases.

Here are 3 top tips on how you can help us to speed up your self-employed applications whilst evidencing income for maximum borrowing.

At Foundation, we offer a range of mortgages for professionals, which allow your eligible borrowers to access a loan amount of up to six times their income.

Anyone can check the Energy Performance Certificate (EPC) of a property on the government's EPC register below.

Watch our Head of Sales, Grant Hendry, and Julian Sampson, Partner and Head of Lending at TWM Solicitors explain the legal side of Limited Company lending and just how to get your clients over the line.

Why is it so advantageous to use a specialist solicitor for a specialist case? And why does it help to use a solicitor who already works closely with your lender? 

We understand that getting your clients cases through can often be a time-consuming process.

We've put together our top tips to speed up your clients’ residential application.

We are used to dealing with complex limited company structures, particularly companies using Directors’ loans as deposit.

As experts, we can find you a solution for a broader range of landlord situations.

BDM Gemma Lang shares six questions to help you key in your clients’ application smoothly.

We've put together our top tips to speed up your clients’ BTL application.