Brilliant Solutions

Express Payment Requests are showing error messages but please ignore these as the requests are being received. The error relates to the email confirmation only. 

The company will be closing early on Tuesday 16th September at 2pm for all staff training across all departments. We will be open as usual on Wednesday 17th September. We apologise for any inconvenience this causes. 

The deadline for express requests on the 16th September will be 1 PM.

 

In honour of Her Majesty Queen Elizabeth II our offices will be closed on Monday 19th September while our staff pay their respects.

The office will re-open at 9am on Tuesday 20th September.

Foundation Update

Foundation Home Loans has updated its range across the direct to lender and packaged range.  Brilliant Solutions offers fees free packaging across the range as well as direct to lender access with payment on completion. 

Practical insights to support brokers with challenging cases

At Foundation Home Loans, we know no two landlords, or their portfolios, are the same. That’s why our products are designed to support complex cases with flexible, expert solutions.

Check out the following example of how our semi-commercial product helped an overseas client secure HMO finance with confidence.

The problem:

An expat landlord based in Singapore was looking to refinance a mixed-use property to release equity for

another purchase. The property consisted of a ground floor retail unit with two residential flats above.

Some lenders had declined the case due to one of the residential units operating as an HMO—something not all lenders are willing to accept.

The solution:

Foundation Home Loans’ expat semi-commercial product was the right fit. It allows the commercial element of a property to make up to 40% of both the overall value and the rental income, rather than simply basing it on floor space—comfortably accommodating the setup in this case.

The product also supports expat applicants earning in foreign currencies, with income verified by locally qualified accountants. This enabled the client to refinance and raise capital within a single application, using a product designed specifically for semi-commercial expat cases.

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