Complex buy to let?
Welcome to the home of specialist buy to let mortgages for both individual landlords and limited companies.
Our buy to let range
Foundation Home Loans is the home of specialist buy to let mortgages, offering criteria to help portfolio landlords, individual landlords, and those buying or remortgaging via Limited Companies find the right mortgages. We offer flexible lending options for different property types like HMOs, holiday lets, and multi-unit blocks.
Ready to start? Why not try our BTL max loan calculator to find out how much we can lend?
Handy documents
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Buy to let 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
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
Limited Companies
- Newly incorporated limited companies acceptable
- Complex company structures considered
- No maximum age
Specialist Properties
- HMOs (Large, Plus and standard)
- Holiday lets
- Short term Lets
- Multiple Properties One Title
- Property Plus
Multi Unit Freehold Block
- Up to 10 self-contained units
- £3 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
Semi-commercial
- A combination of residential and commercial units
- 60% residential and 40% commercial split
- Up to £3 million maximum
- Up to 70% LTV
- ICR at 125% for Ltd Cos and Basic rate tax payers, 145% for Higher rate and 135% for mixed
Expats
- Available to UK nationals living as Expats applying either as individuals or limited companies.
- 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