Brilliant Solutions

The office will be closed from 5pm today for staff training, open as normal tomorrow. 

Our office will be closed from 5pm Thursday, 20th October to 9am Friday, 21st October.
If you have any cases or enquiries that this may affect, please contact our team today. We apologise for any inconvenience.

We are currently experiencing some technical issues that are affecting our telephone lines and internet connection.

We hope to resolve this asap. Apologies for the inconvenience.


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. 


We are pleased to advise that as of today, mortgage intermediary partners of Foundation Home Loans can access a new set of Product Information Documents to support our joint aims of delivering better consumer outcomes, in line with the new Consumer Duty regulations.

Our owner-occupier products fall into 6 categories, and we have created a Product Information Document for each. When deciding what product to recommend to their client, Mortgage intermediaries can select the Product Information Document relevant to the product, to understand more.

These Product Information Documents contain information for intermediaries about the product:

  • Characteristics and benefits
  • Target market assessment and distribution strategy
  • How it relates to customers with characteristics of vulnerability
  • Our assessment of value

A full explanation on how we have interpreted the new Consumer Duty guidance to create these documents to support you, can be found on our blog here.

We have worked in conjunction with advice from IMLA, BSA, AMI and UK Finance to ensure that these documents comply fully with our responsibilities as a lender, and support everyone in the borrower journey in achieving the best possible outcomes for our mortgage clients.

All 6 of the documents are available at our Consumer Duty download page here >>

[Foundation CD Downloads]


As of today, Wednesday 3 rd May, Foundation Home Loans have refreshed their BTL and owner-occupied core ranges. The refresh to the range brings rate reductions of up to 0.70% across its core owner-occupied range and up to 0.35% across its core buy-to-let range.

Foundation’s current service levels continue to average turnaround times of one day for DIP referral, application and underwriter review for all cases.

Refreshed buy-to-let rates include:
  • Reductions of up to 0.30% across F1 and F2 ranges, 5 year fixed rates now starting from 5.74%
  • Green rates reduced – 5 Year Fixed with a 1.25% fee, free val & no App Fee now from 5.89%
  • F2 5 year fixed rate for standard HMOs now 6.19% with a fixed fee of £1,995
  • Short term let products reduced by up to 0.35%, now from 6.29%

[Download product guide]

Refreshed owner-occupied special rates include:
  • Reductions of up to 0.70% on F1 -F2 variable rates now starting at 5.99%
  • Reductions on F1 Green 2 and 5 year fixed rates now starting from 6.24% with a flat £995 fee and one free valuation
  • Professionals 2 and 5 year 65% and 75% LTV now starting from 6.34% with a £1,495 fee and one free valuation

[Download product guide]

George Gee, Managing Director (Commercial) at Foundation Home Loans, said:
“We are very pleased to be announcing further rate cuts across both our core owner-occupied andbuy-to-let product ranges today, which are available to borrowers right across our tiers, from F1 through to F4.”

“There is a growing specialist borrower demographic, in both the owner-occupier and buy-to-let space, and we remain committed to lending in these sectors and to ensuring advisers have access to a wide range of product choice including options for those with complex incomes, but also in terms of Green mortgage availability, products for Professionals, and a range of others.”

“Our current service levels are extremely fast and we’re here to support advisers as they seek to find the right solutions for their clients.”

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