Foundation Home Loans is a leading specialist lender focused on non-standard borrowers — from portfolio landlords and SPV limited companies to contractors, self-employed clients, and those with credit issues. They’re known for flexible underwriting, adverse credit tolerance, and a deep understanding of the buy-to-let market.
At Mortgage Knight, we use Foundation to help clients who need a lender that goes beyond standard criteria, without the high rates or red tape of some other specialist lenders.
If your income is complex, your credit history is less than perfect, or you’re building a property portfolio, Foundation Home Loans is one of the most flexible lenders on the market.
Get in touch with Mortgage Knight today and we’ll structure your application to match Foundation’s criteria, with fast answers and expert support.
A: Yes. Foundation accepts applicants with defaults, CCJs, and missed payments, especially if over 12 months old. They also consider active DMPs and manually assess each case.
A: Yes. Unlike many lenders, Foundation will consider just 1 year of accounts or SA302s for both residential and buy-to-let applications.
A: Absolutely. Foundation is one of the most popular lenders for limited company landlords and offers a wide range of products for SPVs.
A: No minimum income is required for standard buy-to-let applications. For residential mortgages, income must be provable and meet affordability criteria.
A: Yes. Foundation accepts first-time landlords, including those buying through a new SPV, subject to meeting criteria and providing adequate experience or support.
A: Yes. Foundation is flexible with day rate contractors, umbrella workers, and freelancers, using either contract value or an income average over recent months.
A: Yes. Foundation allows capital raising for most purposes, including debt consolidation, home improvements, deposits for further purchases, and more.
A: Some remortgage products include free valuation and/or cashback. Legal fees may apply, depending on the product selected.
