Your Business and Industry

18 October 2021

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.

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Your Business and Industry

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.

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Your Business and Industry

12 October 2021
Foundation Home Loans

How to check the EPC of your client's property... and a bonus reason why you should!

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

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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.

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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.

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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.

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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?

As one of the first specialist lenders to launch a green mortgage offering, our ongoing aim is to help a variety of borrowers to benefit from energy-efficient properties, and positive and feedback from our intermediary partners suggests that a growing number of landlords, homeowners and potential homeowners are becoming more environmentally conscious when it comes to their homes and investments.

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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.

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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.

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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? It's all about fintech, isn't it? Or is it? Robots have brought a huge amount to our underwriting, but the need for human assessment of clients’ complex situations is an area where Specialist Lenders are taking the lead. An interview with Mark Whitear, Head of Commercial Development.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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. 

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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?

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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.

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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.  

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.  

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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Your Business and Industry

28 May 2020
Foundation Home Loans

Don’t lockdown your creativity

Generating ideas is an important step we can take to help us overcome current and future challenges.

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Your Business and Industry

12 May 2020
Foundation Home Loans

Increase your website traffic

SEO is the process of increasing the quantity and quality of views your website gets from search engines.

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Your Business and Industry

11 May 2020
Foundation Home Loans

CRM: Get the most out of your system

A CRM holds information about the clients you have done / would like to do business with.

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Your Business and Industry

28 April 2020
Foundation Home Loans

Email marketing tips and resources to help your business

Email marketing can help to keep you in the minds of your customers, both past and present, when they or their friends are looking to purchase a new property.

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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.

Read More >

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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© 2018 Foundation Home Loans is a trading style of Paratus AMC Limited. Registered Office: No.5 Arlington Square, Downshire Way, Bracknell, Berkshire RG12 1WA.

Registered in England with Company No. 3489004. Paratus AMC Limited is authorised and regulated by the Financial Conduct Authority.

Our registration number is 301128.
Buy to let mortgages are not regulated by the Financial Conduct Authority.
Calls may be monitored and recorded.

The Financial Ombudsman Service is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk

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