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), multi-occupation properties and a range of specialist property mortgages for UK Ex-pat landlords.

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.

Large HMO

  • Large HMO
  • 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 tenancy (not AST)
  • Expat options available

Multi Unit 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

Mixed Use Property

  • 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

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