As the demand for HMO mortgages increases – particularly the non-standard ones we accept – a couple of themes are emerging of complicated areas. David Walsh, Underwriting Manager shares these tips which might hopefully help to reduce miscommunication – and ultimately speed up underwriting!

We sometimes get intermediaries asking for an ‘Investment valuation’ not realising that the surveyor will choose to work off comparables or off an investment figure depending where the property is located in the country. 

As we come to the end of another tax year many self-employed people will be taking stock of their finances, possibly in a position where their last years trading was extremely profitable or for many reasons, profits may have been lower than expected.

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.

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?

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?

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.

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.

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

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.

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.

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.