Foundation Home Loans BTL
No minimum income requirement: Ideal for landlords relying primarily on rental income, making BTL more accessible to a wider range of clients.
Ltd Company rates identical to individual rates: Offers limited company clients the same competitive rates as standard BTL applicants, simplifying conversations around cost comparisons.
Lower rental stress testing for Ltd Companies: A more favourable rental calculation for limited company applicants, helping landlords with higher borrowing needs meet affordability requirements more easily.
No minimum time in employment: Flexibility for self-employed landlords or those with varied income sources, as there’s no minimum employment duration required.
No maximum age for Ltd Company applications: Foundation Home Loans welcomes older landlords through Ltd Co structures, enabling longer-term property investment strategies without age restrictions.
Flexible credit criteria: Accommodates clients with minor credit blips, offering more opportunities for borrowers who might struggle with stricter lenders.
Portfolio landlord expertise: Specialists in working with clients who already have multiple properties, making it easier for seasoned investors to expand their portfolios.
No maximum property portfolio size: Clients with large portfolios aren’t penalised, giving brokers more freedom when handling seasoned investors with extensive holdings.
HMO and multi-unit block expertise: Foundation Home Loans offers tailored solutions for Houses of Multiple Occupation (HMOs) and multi-unit freehold blocks, accommodating clients with complex rental properties.
