What exactly is an MUB? – Gemma Lang, Regional Account Manager explains.

As you know, Foundation Home Loans lend on Multi-Unit Blocks, but what constitutes as a Multi-Unit Block? As part of our series on Specialist Property Buy to Let Mortgages, Gemma Lang explains:

What's the difference between a Short Term Let, Air BnB, Holiday let and Serviced Accommodation?

A ‘How to’ guide by Gemma Lang, Regional Area Manager at Foundation Home Loans

As you know, we lend on Short Term Lets in England, Wales and Scotland, but what does “Short Term Let” really mean?

Our new Buy to Let 2-year discount rates with free valuation

As of Tuesday 17^th May 2022, we have launched a new 2-year discount rate product on our F2 range for portfolio & non-portfolio landlords with some historic credit blips.

Introducing our new Green ABC+ Products and Expat Large HMO Product

As of 7^th April 2022, we are offering a new BTL Green ABC+ range exclusively for properties with EPC rating of A-C. The new Green products include one free valuation and come with a 1% product fee.  

Our NEWLY expanded solicitor panel for specialist property cases

We are excited today to announce that we have launched an expanded panel of solicitors for specialist property cases, including HMOs, large HMOs, and multi-unit properties.

Enhancements to our fee-assisted buy-to-let product range

We have introduced a range of enhancements to our fee-assisted buy-to-let product range including fee cuts, the introduction of new 80% LTV products, and new limited edition specialist fee-assisted products.

We've expanded our Green buy-to-let product range to specialist property types

We have today expanded our Green buy-to-let product range to specialist property types including short-term lets and standard HMOs (up to six occupants).

New buy to let Expat product range

We have  launched a new buy to let product range exclusively for Expat landlords.

We’ve refreshed our residential and buy to let product ranges

We recently launched a full refresh and reprice of our core residential and buy to let product ranges which includes improved rates, competitive product features and enhanced borrower value.

We've launched 85% LTV buy to let products for first time

We have recently launched a range of new buy to let products at 85% LTV for the very first time.

New ‘Festive Five-Year Fixed Rate’ for landlords

The five-year fixed-rate is available for mortgage loans between £250k and £1m – at a rate of 3.04% fixed for 5 years for a fixed product fee of £1,995

‘Limited edition’ discounted variable rate for buy to let borrowers

We have launched a new ‘limited edition’ two year discounted variable product with no Early Repayment Charge for buy to let and limited company buy to let borrowers.

Why our ULS solicitor panel with integrated technology is great for your business.

Our Solicitor Panel is managed by ULS technology, and we took that decision to support you, the broker.

New fixed rate ‘Green ABC+’ mortgages for landlords and owner-occupiers

Today we launched ‘Green ABC+’ fixed rate products for both buy to let and owner occupied mortgages, with rates and cashback based on the property’s energy performance rating.  

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.

New buy to let no fee and flat fee limited editions

We have launched new buy to let limited editions with both no fee and flat fee options which are highly competitive on both rate and fees, giving an attractive total cost for individual and limited company landlord borrowers.

New no fee residential remortgage and BTL flat fee limited editions

We have launched new owner occupier remortgage limited editions with no fees, and buy to let flat fee limited editions for both individual and limited company landlord borrowers.

Full buy to let product refresh with many fees halved and rates cut across range

Today we have launched a full re-release of our entire buy to let product range with fees reduced by up to a full 1% at the same time as rate reductions of up to 0.25%, plus the introduction of a new Short Term Let product with a flat fee.

Limited edition ‘no fee’ five year fixed rate portfolio landlord special

Today, we have launched a further limited edition five year, fixed rate buy to let product specifically for portfolio landlords, with no product or application fees.

‘No fee’ 75% LTV limited edition portfolio landlord specials

We have launched a set of ‘no fee’ 75% LTV two year fixed rate limited edition buy to let products exclusively for portfolio landlords.

Limited edition 2.99% 5 year fixed rate portfolio landlord special

We've launched a new limited edition five year, fixed rate buy to let product specifically for portfolio landlords.

New buy to let 'green' mortgages launched for landlord purchasers, from 1.99%

As of today, we have opened up our green mortgage products to landlords purchasing property.

New buy to let Limited Edition five year fix

Today, we have launched a new Limited Edition, remortgage only 5 year fixed buy to let product priced at 3.19% available up to 75% LTV and a maximum loan of £1M.

The legal side of limited company lending

Watch our Head of Sales, Grant Hendry, and Julian Sampson, Partner and Head of Lending at TWM Solicitors explain the legal side of Limited Company lending and just how to get your clients over the line. 

Reduced rates on BTL five year fixes and new 65% LTV Green Reward mortgage

Today, we have made a number of rate reductions across our five year fixed rate mortgage range for landlord borrowers, and introduced a new 65% LTV Green Reward Remortgage.

Best Lender for Service L&G entry

At Foundation Home Loans we find solutions for financial needs...

New fee assisted BTL mortgages and fixed fee HMO/MUB products

We've launched a number of new products, including fee assisted options for purchases as well as remortgages, two fixed fee HMO and multi unit blocks (MUB) deals, in addition to rate reductions on our 80% LTV products.

We've made cuts to our product fees on our limited company specials

Today, we have reduced the product fees on our three limited edition, limited company buy to let products.

Reduced buy to let rates and new short term let products

We've cut a number of rates across our standard and HMO ranges, and we've launched a new limited edition limited company buy to let five year fix and two new short term let products.

Understanding the legal side of the mortgage process

Why is it so advantageous to use a specialist solicitor for a specialist case? And why does it help to use a solicitor who already works closely with your lender? 

New limited edition, limited company buy to let products

As of today, we have launched two new exciting limited edition, limited company buy to let products.

Rate reductions on residential and BTL products

We have made significant rate reductions today on our residential and buy to let products.

NEW Green Reward BTL remortgage product

Today we have launched our exciting new Green Reward remortgage product.

How your feedback has impacted us

One of the core parts of our lending proposition, given that we only offer our mortgages via advisers, is responding to feedback and seeking to find solutions to the issues raised.

New limited edition limited company specials

Today we’ve introduced exciting new limited edition, limited company buy to let products with reduced product fees.

Rate reduction to our five year BTL fixed rate mortgage at 75% LTV

As of today, we have cut the rate on our five year buy to let fixed rate mortgage at 75% LTV.

We've had a significant increase to our recruitment

We've recently expanded our resources across the underwriting, new business and sales teams.

Your questions on the SDLT deadline answered

Our very own Grant Hendry and TWM solicitor Julian Sampson recently sat down to discuss the upcoming stamp duty deadline.

Information about valuations

Our key valuer partners have announced that they are to continue with physical valuations in England and Wales despite the new national lockdown.

Do you do…? Mortgages for specialist properties

With so many specialist property types or properties with specialist uses, Gemma Lang, our Regional Account Manager for the East of England, tells us what specialist property mortgages we can help you with.

We now accept search indemnity insurance for purchases as well as remortgages

We now accept ‘no search indemnity insurance’ for purchase and remortgage transactions, with the exception of purchases and/or remortgages of HMO and MUB properties.

Our top tips to get your cases through

We understand that getting your clients cases through can often be a time-consuming process.

Bank statements no longer automatically required for owner occupied mortgage applications

We have listened to your feedback and simplified the supporting documentation required for residential mortgage applications. 

Your limited company cases made more straightforward

We've listened to your feedback and made our limited company cases even more straightforward.

Mortgages for companies using Directors’ loans as deposit

We are used to dealing with complex limited company structures, particularly companies using Directors’ loans as deposit.

9 ways we can solve your limited company cases

As experts, we can find you a solution for a broader range of landlord situations. 

6 tricks to keying BTL applications on the Broker Portal

BDM Gemma Lang shares six questions to help you key in your clients’ application smoothly.

10 Top tips to speed up your clients’ BTL application

We've put together our top tips to speed up your clients’ BTL application.

The new normal for BDM Gemma

My job is usually visiting brokers at their homes, offices, or if I’m lucky a beer garden.

A message from a valuer partner

As physical valuations return, here is an important message from one of our valuer partners.

Your questions answered

Our CEO and our Head of National Accounts discuss the cost of borrowing amidst this pandemic.

Information about valuations

Our key valuer partners have announced that they are resuming physical valuations in England.

We are now accepting new applications again

We announced late last week that we would return to new lending today. And now we want to share with you a brief overview of what that looks like.

Accepting new cases from next Monday

We are delighted to tell you that from Monday 18 May, we will be accepting new business.

Your webinar questions answered

During our recent webinar - working through the new abnormal - we asked what questions you'd like answered.

Working through the new abnormal webinar

We teamed up with Mortgage Introducer to bring you a webinar on working through the new abnormal.

The benefits of in-house servicing

Each lender has their own individual approach to generate and service new and existing business.