Our range is designed to make more cases possible
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From self-employed borrowers with complex income to first-time buyers needing family support, our residential range is designed to make more cases possible.
At Foundation Home Loans, we understand that life doesn’t always follow a straight path, and neither do your clients’ mortgage applications. That’s why our residential range is designed to offer real solutions for real clients who may not meet the criteria of mainstream lenders.

We’re here to help clients like Daphne and Joe, as well as Charlotte. Real people facing real challenges, but who still deserve access to the right lending solution.
Clients like Daphne and Joe: £4£ remortgage
Daphne and Joe are both self-employed and found themselves in a tricky position as they neared the end of their mortgage term. Their incomes dipped in the past, resulting in a small historic default on their credit file, which made securing a product transfer with their current lender impossible.

They needed to borrow £1 million with no additional capital raising, but their case was far from straightforward.

With our £4£ remortgage option, we were able to take a sensible view and accept their most recent year’s income, even though it was lower than when they first took out the loan. This flexibility made all the difference.
Here’s what our £4£ remortgage offers:
  • No set loan-to-income cap, with affordability assessed based on individual circumstances
  • No maximum loan to income cap where affordability allows
  • Flexibility to use the latest year’s income for self-employed applicants, even if it’s lower than previous years
  • Part and part mortgage options available, with the potential to adjust repayment portions without increasing monthly payments.
Clients like Charlotte: Joint Borrower Sole Proprietor (JBSP)
Charlotte, aged 26, wanted to buy her first home close to family and work, but like many young buyers, she was struggling to borrow enough on her own.

Despite having a generous gifted deposit and a stable income, affordability was still an issue. That’s where our JBSP mortgage came in.

By adding her parents to the mortgage application, Charlotte was able to boost her borrowing power without needing them to be on the deeds. It meant she could finally step on to the property ladder and make that first purchase a reality.
Here’s what our JBSP option offers:
  • Joint borrower sole proprietor (JBSP) mortgage option, allowing family members to support affordability without being named on the property deeds
  • Incomes from parents or family members can be considered to boost borrowing capacity for first-time buyers
  • Acceptance of gifted deposits from a wide range of family members, not just parents
  • Flexible affordability solutions for buyers struggling to secure a mortgage as sole applicants in higher-priced areas
Why recommend our residential range?
  • Loans from £50k up to £3m for F1 and F2, £1m for F3, and £500k for F4 (including fees)
  • Terms from 5 to 40 years, for applicants aged 18 to 75
  • Available to clients with CCJs and defaults registered over 6 months
  • Accepts multi-source and self-employed income
  • Enhanced LTI up to 6x and LTV up to 90% for eligible qualified professionals and key workers
  • Offers for up to 4 months
  • Only available via intermediaries offering advice-based service
If you’ve got a complex residential case like Daphne and Joe’s or Charlotte’s, we’d love to talk it through.

Give your Foundation Home Loans regional area manager a call today - we’re always happy to help.

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