Your Business and Industry

Your Business and Industry

16 May 2022
Foundation Home Loans

Three ways you can help your landlord clients finance green improvements

From 2025, under the current proposals all newly rented properties will be required to have an EPC rating of C or above. Currently, properties only require an EPC rating of ‘E’ or above for us to lend at Foundation Home Loans. Existing tenancies will have until 2028 to comply with the new rule changes.

Your Business and Industry

09 May 2022
Foundation Home Loans

Exploring the HMO options in Spring 2022

HMOs continue to be a strong option for professional landlords who are experienced in dealing with this property type or who have a support network in place to manage their extra demands.

Your Business and Industry

03 May 2022
Foundation Home Loans

Supporting you and your clients on the BTL limited company journey

One of the biggest questions landlords have been asking themselves in recent times is, to incorporate or not to incorporate. As ever, the answer lies within the circumstances of each and every landlord and their portfolios.

Your Business and Industry

28 March 2022
Foundation Home Loans

Specialist Property Range Now for Expats

The long-term stability and resilience shown by the UK housing market over the years continues to attract strong interest amongst a range of borrowers...

Your Business and Industry

15 March 2022
Foundation Home Loans

Get your landlord clients ahead of the curve for their required EPC changes

There’s no doubting that information on Energy Performance Certificates (EPCs), their increasing importance, and what that specifically means for landlords and their properties, has grown in recent weeks and months.

Your Business and Industry

02 March 2022
Foundation Home Loans

How will your landlord clients meet the cost of the EPC regulations?

Our latest BVA BDRC Landlord Panel research for Q4 2021 discovered that around 4 in 10 rental properties currently have an EPC rating of ‘D’ or lower.

Your Business and Industry

02 March 2022
Foundation Home Loans

Limited company lending: The only way is up

Just over half of landlords are now looking to purchase their next BTL property within a limited company structure, up 9% from Q3 2021...

Your Business and Industry

02 March 2022
Foundation Home Loans

Buy to let market health check: landlord confidence up across all key metrics

In the latest iteration of our research in partnership with BVA BDRC, it was motivating to see landlord confidence increasing Year-on-Year across all the key metrics with - unsurprisingly in light of rampant house price growth - the largest uplift in confidence being capital gains, a rise of 18% Y-o-Y.

Your Business and Industry

01 March 2022
Foundation Home Loans

HMO yields and costs year end 2021

Every quarter, we review current yields and costs of common and specialist property types within the buy to let market for mortgage intermediaries.

Your Business and Industry

01 March 2022
Foundation Home Loans

Foundation Home Loans Quarterly portfolio barometer Q4 2021

Semi-detached properties overtake terraced houses as the most attractive purchase this quarter. The quarterly report on what a ‘typical’ portfolio looks like and how landlords are reacting to current market conditions.

Your Business and Industry

01 March 2022
Foundation Home Loans

Maximise your remortgage opportunities for 2022

Of those leveraged landlords who plan to remortgage in 2022, over half (55%) suggest they are likely to opt for a five-year fixed-rate mortgage and…

Your Business and Industry

25 February 2022
Foundation Home Loans

Swap rates changing – how we are working with you

In our market, rates and product pricing are always going to be a major discussion area and a constant point of attention, not just in terms of what is happening in the here and now but importantly, what happens over a number of time horizons.

Your Business and Industry

25 February 2022
Foundation Home Loans

How we are turning ‘Generation Rent’ into Generation Buy’

The Government’s Levelling Up White Paper focused heavily on the housing market, specifically looking at what it might do to turn, in its words, ‘Generation Rent’ into Generation Buy’. Here’s how we are part of that movement to increase the number of first-time buyers in every region of the country.

Your Business and Industry

03 February 2022
Foundation Home Loans

Three ways 2021 changed the mortgage market for 2022

2021 was an extremely busy year for the industry and for Foundation Home Loans. It saw a host of new challenges emerge for borrowers and opportunities present themselves across the intermediary market. As a result, we, like many other lenders have broadened our criteria to create something of a new landscape for intermediaries as we enter 2022.

Your Business and Industry

05 January 2022
Foundation Home Loans

Homeowners in favour of reduced mortgage costs based on energy performance

According to our most recent owner-occupier survey, 67% of all homeowners, or those who want to become homeowners, would consider a lower mortgage rate based on their property’s Energy Performance rating an appealing element when looking at product features.

Your Business and Industry

02 December 2021
Foundation Home Loans

Four out of five renters want to own a property but financial obstacles cited as main barrier

According to our research, four out of five renters want to own a property in the future however cite a number of financial barriers as potentially stopping them from meeting this goal.

Your Business and Industry

16 November 2021
Foundation Home Loans

4 in 10 landlords buying their next buy to let in a limited company

The question of whether to borrow through a limited company structure is one which all landlords have faced and continue to face.

Your Business and Industry

16 November 2021
Foundation Home Loans

HMO yields 1.3% more than other properties

In recent times, we’ve seen landlords take many different approaches to their portfolios but one constant is the search for greater yield.

Your Business and Industry

12 November 2021
Foundation Home Loans

Choices for your clients with 1 year of accounts

A softening of criteria amongst lenders is reported to have seen brokers challenged with a rush of newly self employed applicants with just one year’s worth of accounts.

Your Business and Industry

10 November 2021
Foundation Home Loans

Two in three landlords report pandemic will have little effect on their business

Despite self employed landlords being hardest hit by the pandemic, only 1% of landlords expect to lose their business as a result of Covid-19, according to our new research.

Your Business and Industry

28 October 2021
Foundation Home Loans

Two thirds of self employed think it’s significantly more difficult to secure a mortgage

Our latest research show that almost two thirds of self employed individuals believe it is more difficult for them to secure a mortgage.

Your Business and Industry

18 October 2021
Foundation Home Loans

How to meet your self-employed clients’ shifting homeownership aspirations

On the back of such an uncertain period for many people, it’s vital for lenders to establish a real understanding of how people view their homes (whether rented or owned), how/why any views may have shifted and how people have adapted. Not to mention, future property objectives and their perceptions of the current mortgage market.

Your Business and Industry

14 October 2021
Foundation Home Loans

What self-employed borrowers believe about their mortgage choices

Many questions have been asked of employed and self-employed people over the course of the pandemic and, as a lender and as an industry, we are constantly evaluating how to better service their borrowing needs.

Your Business and Industry

27 September 2021
Foundation Home Loans

HMO yields exceed other property types… but so do costs.

The return to studying without Covid restrictions represents great news for students and landlords alike as towns with large student populations have long proved attractive investment opportunities, as shown by our continued landlord interest in mortgages for HMOs.

Your Business and Industry

08 September 2021
Foundation Home Loans

Covid-19 – A buy to let update

All lenders have been forced to modify their approach as a result of the pandemic.

Your Business and Industry

08 September 2021
Foundation Home Loans

Landlord confidence continues to rise – Q2 latest data

The buy to let sector has experienced many ups and downs over the years but it has always come out the other end stronger.

Your Business and Industry

02 September 2021
Foundation Home Loans

Do your portfolio landlords have full awareness and understanding of the new EPC legal requirements?

A growing number of landlords and homeowners are becoming more environmentally conscious when it comes to their homes and investments... but is it enough? 

Your Business and Industry

02 September 2021
Foundation Home Loans

Top regions for rental yields in Q2 of 2021

For portfolio landlords, the quest to maximise yield (price versus income) is a constant one, and several UK regions are currently fitting this agenda.

Your Business and Industry

11 August 2021
Foundation Home Loans

Maintaining a portfolio barometer

We are seeing sustained interest from landlords who are looking to both diversify and expand their portfolios.

Your Business and Industry

20 July 2021
Mark Whitear

What is the new ‘Specialist Residential?’ - The future of underwriting and product choice for your client

What does the future hold? Robots are now a critical part of what we do but the need for human assessment of clients’ complex situations is where Specialist Lenders lead. Mark Whitear, Head of Commercial Development, explains all.

Your Business and Industry

29 June 2021
Foundation Home Loans

Time, choices and rejections - residential buyers reveal why they need your advice now

The importance attached to the advice process in sourcing appropriate and responsible solutions to combat the challenges of homebuying has never been more apparent, yet some potential borrowers continue to go it alone.

Your Business and Industry

24 June 2021
Foundation Home Loans

How big is the market of clients with 2nd incomes?

It will come as little surprise that the effects of the last 18 months are now resulting in rising demand for flexible underwriting for complex income residential cases; and this is true for both employed and self employed borrowers.

Your Business and Industry

22 June 2021
Foundation Home Loans

‘Typical’ portfolios and the rise of younger landlords

As a lender, we are always striving to assess landlord profiles, what they are looking for from a lender, what a ‘typical’ portfolio might look like and how various landlords are reacting to current market conditions.

Your Business and Industry

17 June 2021
Foundation Home Loans

Landlords move to expand portfolios: 4 year recovery?

Like many lenders, we’re currently experiencing a surge in interest from landlords who are looking to diversify their portfolios.

Your Business and Industry

11 June 2021
Foundation Home Loans

Buy to let landscape 2021 – latest portfolio size and yield report

Every quarter, in conjunction with BVA BDRC, we ask around 900 landlords for their insight on every aspect of the buy to let market, including portfolio sizes, borrowing intentions and view of the current markets.

Your Business and Industry

02 June 2021
Foundation Home Loans

Is the outlook improving for self employed borrowers?

The residential sector is becoming increasingly complex for many types of potential borrowers.

Your Business and Industry

27 May 2021
Foundation Home Loans

High yields fuel appetite for competitive HMO products

Here at Foundation Home Loans, we’re experiencing a surge in interest from landlords who are looking to diversify their portfolios.

Your Business and Industry

24 May 2021
Foundation Home Loans

Self-employed clients missing out. Be their specialist solution.

I’m sure we can all appreciate the highs and lows experienced across the self-employed community over the past 12 months and some of the existing shortfalls when it comes to their mortgage requirements.

Your Business and Industry

21 May 2021
Foundation Home Loans

Q1 2021: Landlord confidence continues to rise

With further lockdown restrictions set to be lifted, we can look forward to raised spirits and increased activity.

Your Business and Industry

11 May 2021
Foundation Home Loans

Why your homeowner clients might suit a green mortgage this year

Green mortgage options are expected to be a growing option for landlords and owner-occupiers over this next decade and we are pleased to be among the trail blazers with our ‘Green Reward’ remortgages.

Your Business and Industry

06 May 2021
Foundation Home Loans

What do the markets tell us for Q2?

With Q1 2021 now behind us, it seems like a good time to take stock of what has happened during those first three months, and what the rest of the year might bring.

Your Business and Industry

30 April 2021
Foundation Home Loans

Complex income client demands rising – how you can help them

As some lockdown restrictions are lifted, the scale of the impact on household finances and its likely consequences on the UK economy remain to be seen.

Your Business and Industry

14 April 2021
Foundation Home Loans

High net worth self employed clients missing out on high street borrowing

With the majority of 2020 and the early part of 2021 having a significant impact on many individuals’ income and financial situations, we anticipate that the self-employed particularly will require specialist residential finance going forward, whose propensity for complex income structures often throws them out of mainstream lending criteria.

Your Business and Industry

13 April 2021
Foundation Home Loans

First time landlords – the new investors on the rise in 2021

An important trend is that interest from new investors, ‘first time landlords’ continues to grow.

Your Business and Industry

08 April 2021
Foundation Home Loans

Stepping up to the plate to meet complex income demands

With the majority of 2020 and the early part of 2021 having a significant impact on many individuals’ income and financial situations, we anticipate that an increased number of cases will require specialist residential finance going forward.

Your Business and Industry

06 April 2021
Foundation Home Loans

The challenges facing the green mortgage sector

Green mortgages and green finance are areas which represent huge potential for lenders, intermediaries and borrowers. 

Your Business and Industry

06 April 2021
Foundation Home Loans

Limited company BTL V Individual – what do the numbers say?

What’s the difference between a limited company portfolio landlord, compared to a portfolio held by an individual or group of individuals?

Your Business and Industry

25 March 2021
Foundation Home Loans

How has covid-19 impacted the BTL sector?

Covid-19 has changed the financial landscape for businesses and individuals across the country.

Your Business and Industry

22 March 2021
Foundation Home Loans

6 reasons you should consider a Green Mortgage for your landlord clients in 2021

We believe that the move to improve carbon emissions in the property sector remains critical in 2021. Here are 6 reasons to speak to us about a green mortgage for your landlord clients in 2021.  

Your Business and Industry

16 March 2021
Foundation Home Loans

Yields and demand for HMOs increasing

We continue to develop our product proposition to service the specific needs of the modern landlord in the modern mortgage market. Whether through the addition of lower-value properties, HMOs or multi-unit blocks.

Your Business and Industry

11 March 2021
Foundation Home Loans

Landlord confidence continues to rise

We may still be in Q1 but there are plenty of reasons to be optimistic that landlords will remain active over the course of 2021 as shown in our latest research carried out by BDRC.

Your Business and Industry

01 March 2021
Foundation Home Loans

2021 buy to let profitability, yield and voids

Despite shifting market dynamics and lingering economic uncertainty, the fundamental principles underpinning the UK private rented sector remain strong.

Your Business and Industry

12 February 2021
Foundation Home Loans

How the 2016 stamp duty deadline might be your ticket to success

No extension of the current stamp duty reduced rates period has been announced, and we have to work on the basis that it won’t be forthcoming.

Your Business and Industry

29 January 2021
Foundation Home Loans

Minimising purchase drop off risk at the stamp duty deadline

Just because the stamp duty deadline has been shunted back 3 months, we must all still plan for the impact it will have on our new business pipelines.

Your Business and Industry

18 January 2021
Foundation Home Loans

Searches for post-furlough residential mortgages up 230%

Back in November, the Chancellor Rishi Sunak further extended the furlough scheme to provide additional support for a variety of businesses and individuals.

Your Business and Industry

13 January 2021
Foundation Home Loans

The 2020 buy to let bounce back

The response to the ‘reopening’ of the housing market after the first lockdown in 2020, especially from a specialist lending perspective, was incredible.

Your Business and Industry

22 December 2020
Foundation Home Loans

Buy to let purchase transactions are the highest since 2017

The housing and mortgage markets have been buoyant during the 3rd Quarter and into Q4, fuelled largely by the SDLT temporary reduced rates for house purchases completing before 31st March 2021.  

Your Business and Industry

21 December 2020
Foundation Home Loans

Reaching the first time buyers who feel home ownership is ‘impossible’

It’s testament to the UK’s continued appetite for homeownership, government intervention and sustained commitment from lenders that we're in this quite remarkable position at the end of 2020.

Your Business and Industry

18 December 2020
Foundation Home Loans

How lenders are dealing with the 67% increase in purchases

The impact of the second national lockdown was far less severe than the initial lockdown period on the property and mortgage markets.

Your Business and Industry

16 December 2020
Foundation Home Loans

Why now is the time to consider remortgages

Recent mortgage data from CACI suggests there is likely to be significant number of product maturities in December - valued at £33.18bn - while 2021 could see the total maturity figure hitting £250bn.

Your Business and Industry

23 November 2020
Foundation Home Loans

The 2021 growth in the HMO market you don’t want to miss

Our latest research via BVA BDRC landlord survey for Q3 shows that HMO properties outrank all other property types by quite some way.

Your Business and Industry

17 November 2020
Foundation Home Loans

Latest September landlord survey data shows healthy confidence

The landscape has been rocky for property investors for the last three years.

Your Business and Industry

11 November 2020
Foundation Home Loans

Need help with your extra-ordinary residential clients this Autumn?

We're here to support those extra-ordinary clients with unsual income sources or those recently self-employed who may now no longer be fitting the criteria of mainstream lenders.

Your Business and Industry

02 November 2020
Foundation Home Loans

Zoom in on more great interactions with your clients

As our lives continue to adapt, we lenders are constantly listening and evolving how best to interact with our adviser partners and their clients/our customers.

Your Business and Industry

14 September 2020
Foundation Home Loans

Are you missing out on these landlord trends?

As the property and mortgage markets change, so do the needs of your clients and the types of expertise you must offer.

Your Business and Industry

16 July 2020
Mark Whitear

Finding solutions for your clients after furlough

The residential lending landscape has changed immeasurably, particularly in the specialist sector.

Your Business and Industry

30 June 2020
Foundation Home Loans

Are HMOs still a viable investment?

Rightmove reported a 1.9% increase in asking prices in June compared to March.

Your Business and Industry

23 April 2020
Foundation Home Loans

What positive can we find for the buy to let market?

We can’t dress things up, this is a crisis. One that has been extremely sharp.

Your Business and Industry

17 April 2020
Foundation Home Loans

2020, hindsight and the benefits of diversification

2020 vision is often referred to as having hindsight. Lots of people are probably thinking, ‘If only’?

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