Complex buy to let?
Welcome to the home of specialist buy to let mortgages for both individual landlords and limited companies.
Specialist buy to let mortgages
Foundation Home Loans is the home of specialist buy to let mortgages, offering criteria to meet a wide range of specialist mortgage needs, available to portfolio landlords, individual landlords and those buying or remortgaging via Limited Companies.
Ready to start? Why not try our BTL max loan calculator to find out how much we can lend?
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Buy to let by Foundation at a Glance
- Portfolio and non-portfolio landlords
- Limited companies and individuals
- Specialist property types - HMOs, short term lets and Holiday lets
- Large loan products available
- Early remortgage available
- First Time Landlords accepted for standard HMOs
- £4£ Remo products available
- Consumer Buy to Let
Buy to Let for Portfolio Landlords
- Portfolio assessment valid for 6 months
- No limit to the background portfolio size, subject to a maximum of £5m with us
- No business plans or asset and liability statements needed
Buy to let for Limited Companies
- Newly incorporated limited companies acceptable
- Complex company structures considered
- No maximum age
Buy to let for Holiday Lets
- For holiday lets where the holiday let income can be utilised
- Using high, medium, low rental figures average taken over 39 weeks
- Maximum loan up to £2 million
- Up to 75% LTV max ICR at 125% - just key average monthly income into the calculator!
- Early remortgage available
Large HMOs
- Up to £1.5 million maximum loan
- 7 - 10 beds up to 75% LTV
- No bed limit up to 65% LTV
- ICR at 125% for Ltd Cos and Basic rate tax payers, 145% for Higher rate and 135% for mixed
- Rental income over £100k acceptable on a common law tennancy (not AST)
- Expat options available
Multi Unit Freehold Block
- Up to 10 self-contained units
- £2 million maximum loan at 65% LTV
- Up to 75% LTV
- ICR at 125% for Ltd Cos and Basic rate tax payers, 145% for Higher rate and 135% for mixed
- 2 and 5 Year Fixed Expat options available subject to product availability
Expats
- Available to UK nationals living as Expats worldwide applying either as individuals or limited companies.
- Up to 75% LTV where product allows
- Available for retired Expats subject to proof of income in retirement
- Accepting applications from over 60 countries, including EU/EEA/Switzerland/UAE* subject to conditions. *UAE subject to additional requirements. We cannot accept applicants resident in Australia
- Where proof of income is required, we only require 1 year’s evidence