Solutions by Foundation
Specialist mortgage Solutions for BTL cases which are more challenging
Solutions by Foundation is a range of products for specialist BTL properties with mixed use (part commercial), or multiple properties under one title and more complex standard HMO cases.
Our Solutions Range
Solutions by Foundation is a specialist buy to let proposition of broad and specialist criteria for an additional layer of extraordinary property or loan types beyond that typically catered for in the specialist buy-to-let market.
Extra service for your Solutions cases
We take an individual approach to the underwriting of these more complex Buy-to-Let cases, with the ability to assess the whole case on its merits, considering the whole portfolio and within complex limited company structures if required. Applications received on the Solutions products are managed by a dedicated team of experienced underwriters familiar with more complex property types and niche areas.
Multiple Properties One Title
- For up to 4 individual properties or units but on one freehold title
- Available for both purchase and re-mortgage
- Suitable for individual, limited company
- Choice of 2 and 5-year fixed-rate options
- Products accessible at 65% and 75% Loan-to-Value (LTV) ratios
- Generous maximum loan sizes of £3 million at 65% LTV and £2 million at 75% LTV
HMO Plus
- For more complex standard HMOs (up to 6 occupants)
- May be mixed use (MUFB/HMO)
- May require a commercial valuation
Semi Commercial (Mixed Use)
- 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
- Expat options available