Brilliant Solutions

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. 


On Thursday 21st October, we are launching a new Limited Edition 2-year Discount Product with no ERCs, no application fee and one free standard valuation for individual, portfolio and limited company landlords.

F1 ‘limited edition’ ERC-free variable discount.

  • Maximum loan of £1m up to 75% LTV
  • No Early Repayment Charges
  • Free valuation and no application fee
  • Available for purchase and remortgage
  • For individual, portfolio and limited company landlords

This ERC-free product with a highly competitive rate and free valuation is designed for looking to access low monthly payments and flexibility, without onerous set up costs.

ICR rental cover is calculated at the notional rate of 5.5% and stress tested at 125% for limited companies and basic rate tax payers or 145% for other landlord types.

Why use Foundation for your next BTL case?

  • Individual or limited company
  • Limited companies with complex structures
  • Up to 4 directors
  • Newly incorporated limited companies acceptable
  • ICR of 125% for limited company borrowers and basic rate taxpayers and 145% for others
  • No minimum term of employment/self-employment and no minimum income
  • Up to 80% LTV on core range
  • Loans up to £2m on core range
  • No limit to portfolio size, subject to maximum borrowing of £5m with Foundation
  • Cater for specialist properties such as HMOs, short term lets and Multi Unit Blocks
  • HMOs: up to 8 bedrooms and MUBs: up to 10 units
  • Products for first time landlords
  • Ex-pats considered for limited companies only
  • Green Mortgages available for purchase and remortgage
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