Welcome to latest insights

At Foundation Home Loans, we understand that many expat clients aren’t just looking for a place to invest, they’re building a long-term financial foundation that connects them back to the UK.

For many first-time buyers, the journey to home ownership feels tougher than ever. Rising house prices, the need for significant deposits, and stricter affordability checks from high street lenders all combine to make that first step a daunting one.

At Foundation Home Loans, we know that no two clients are the same. While some borrowers fit the mould of mainstream lending, many don’t – and that shouldn’t stop them from accessing the mortgage they need. Our approach is all about flexibility, expertise, and seeing the bigger picture, so that brokers can place clients who might otherwise struggle. Right now, there are five types of borrowers we’re especially well equipped to support.

At Foundation Home Loans, we know that no two landlords are the same. From first-time investors to experienced portfolio landlords, from those living overseas to those focused on greener, more efficient homes — we know that every client has their own challenges, ambitions, and opportunities. That’s why we’ve built one of the broadest and most flexible buy to let ranges in the market, designed to give brokers the confidence to place even the trickiest of cases with us.

The mortgage market has seen significant shifts recently, with remortgage activity taking a backseat to product transfers (PTs).

As of today, Thursday, September 12th, we have updated selected rates in our Residential Professionals’ range and also made them available on all repayment types, including interest only. Additionally, we are excited to introduce new products, including a brand-new F1 Green 5-Year Fixed BTL product.

We are pleased to announce that we now accept Consumer Buy to Lets as part of our standard criteria.

We are pleased to announce that we have improved the stress rates on our BTL and Solutions calculators - for short-term (sub-5-year) products, to support landlords in achieving their desired loans.

We are pleased to announce that as of today, Thursday 3^rd August, we have further enhanced our owner-occupied proposition with the launch of products with enhanced loan-to-income (LTI) limits for Key Workers.

Our mortgage intermediary partners can now 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.

For Residential (Owner occupier) affordability calculations, we take into account Profit from Land and Property LESS the finance cost.

Foundation Home Loans is fully supportive of the Government’s Homes for Ukraine Scheme.