Portfolio landlords
Your Foundation for Portfolio Lending
Portfolio cases move faster when the process is simpler. At Foundation, we’ve removed unnecessary admin, simplified assessment, and made repeat cases easier, helping brokers submit with confidence and making mortgages happen for portfolio landlords.
Low admin, faster submissions
We strip portfolio applications back to what matters. No long checklists. No friction. And as a result, there’s a cleaner submission process and quicker turnaround for brokers and their clients.
We don’t ask for:
- Bank statements
- Business plans
- Income proof
- Asset & liability statements
We only need:
- Portfolio schedule
- Direct debit mandate
Our approach to Portfolio Landlords in action
Harriet is a 61-year-old self-employed property investor and an experienced landlord with 47 properties to her name. As a higher-rate taxpayer earning £145,000 a year, she’s well used to managing a busy portfolio and navigating the complexities that come with it.
Here’s what our portfolio landlord products offer:
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Work with complex limited company structures |
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No limit on background portfolio size |
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No issue with intercompany loans being used for deposits |
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Consider cases with connections between the freeholder and leaseholder (application pending) |
Clear stress testing. Predictable outcomes.
Our portfolio stress test is simple by design: 100% self‑sustaining. That’s it.
No complex modelling. Just clarity upfront, making decisions faster, outcomes more predictable, and conversations with landlords easier.
Built for repeat business
Once assessed, a portfolio is valid for six months with no repeat admin.
That means:
- Faster second and third submissions
- Less paperwork every time
- Better pipeline planning
Larger portfolios can be considered by exception, giving brokers flexibility as portfolios grow.