Foundation Home Loans: New Green ABC+ Products And Introduce Expat Large HMO Product

As of 7th April 2022, Foundation Home Loans are offering a new BTL Green ABC+ range exclusively for properties with EPC rating of A-C. The new Green products include one free valuation and come with a 1% product fee.

  • Single products covering properties with EPCs A to C
  • F1 5-year fixed rate at 3.49%
  • Up to 75% LTV
  • NEW: One free valuation
  • Options for HMOs, short-term lets and UK expatriates
  • 1% product fee
  • For purchase and remortgage

Foundation Home Loans have introduced a new Expat product for landlords purchasing or remortgaging a large HMO (up to 8 bedrooms) or multi-unit blocks (up to 10 units).

  • 5-year fixed rate at 3.99%
  • Up to 75% LTV
  • 25% product fee

[Download product guide]

For more information, please contact us.

Why use Foundation for your next BTL case?

Who for?

  • Experts in individual or limited company applications
  • Up to 4 directors & no personal guarantees needed for shareholders
  • Limited companies/SPV with complex structures
  • Shareholding can include other companies
  • Newly formed SPV’s and flexible deposit sources including Intercompany loans
  • No min income or employment/self-employment history
  • First time landlords considered
  • Ex-pats considered as individuals or limited companies

How much?

  • Up to 85% LTV & Loans up to 2m (on core range)
  • ICR of 125% for limited company borrowers and basic rate taxpayers
  • No limit to portfolio size, subject to maximum borrowing of £5m with Foundation
  • Portfolio in the background stress tested at 100%

What for?

  • HMOs: standard to 6 bedrooms, large up to 8 bedrooms and MUBs: up to 10 units
  • Short term lets in personal or SPV structures
  • Day 1 remortgages
  • Products without ERCs
  • Range of Green Products for properties with EPC rating A-C
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