Rating based on 26 reviews

Foundation Home Loans


  • Extending your mortgage payment
  • Flexible interest rate
  • Apply online

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Foundation Home Loans homepage

Author Foundation Home Loans. Screenshot of Foundation Home Loans website. [Accessed September 5, 2019]

About Foundation Home Loans

Only we at Foundation home loans can provide you with the amazing deals on home loans in the UK that you deserve.

We continue to embody our values of fairness, accountability, transparency, and an all-important customer-first mentality, in all our business decisions. Take advantage of our online payment calculator, so that you can be more informed about your home financing options.

Fantastic buy to let opportunities

Our buy to let mortgages are available to portfolio landlords, limited companies, short-term lets, multi-unit blocks and HMOs, up to £1.5 million for individuals and up to £3 million for portfolios, with rates as low as 2.79% and potentially 80% loan-to-value. Individuals' maximum age of eligibility is 85 years, but we apply no minimum income standard.

Residential offers for challenging cases

For both employed and self-employed applicants, we offer repayment and interest-only residential home loan and personal loan options, up to 85% loan-to-value. You can apply for one of our residential mortgages even if you have not passed a high street credit check for various reasons apart from adverse credit.

Foundation Home Loans Services

When it comes to exemplary affordability and quality, we are your best bet for home loans in the UK.

Foundation Home Loans is a specialist mortgage lender. We, therefore, have a unique understanding of the market and are able to assist in complex situations, like with HMO properties and portfolio landlords.

 Different payments types for you

You can pay with your personal or personal joint account, but not your Maestro or credit card. Please phone us if you want to pay on behalf of another mortgage account holder, or to collect or re-collect your due direct debit on your account. Our online payment service and automated payment line are available 24/7.

More payment options for you

Although it is your choice, we would prefer if you paid via direct debit. You can set up a new direct debit by phoning or emailing us, and the four available payment dates are the 1st, 15th, 20th, and the month's last business day. Other acceptable forms of payment are standing orders, personal and bankers’ cheques, your paying-in book, or a manual payment into our Barclays Bank account.

Foundation Home Loans Product Details

  • Loan Type Home loans

Summary of Services

  • Make an online payment
  • Repayment holidays
  • Check affordability

Foundation Home Loans is devoted to your financial well-being.

We offer several types of buy to let and residential mortgages, both only available through authorised intermediaries.

We do not sell mortgages directly to you, but rather through an independent financial advisor.

Your schedule and insurance needs

If your property is leasehold, we do not require a copy of your buildings insurance schedule. You can either email or phone your insurance team for insurance assistance. You can structure your buildings insurance according to your interests. We calculate your interest on a daily basis and count a payment over £1000 as an overpayment.

Advice from us is just a call away

Keeping certain factors in mind, you can phone our Customer Services department's phone number to change your quick loan payment method or term. Your fees and charges will be paid as part of your repayment process, even if you have an interest-only plan with us so that you only have to pay it over the course of your mortgage. Please phone our asset management department's phone number if you are experiencing challenges with your payments.

Your mortgage statement

We will include our tariff of mortgage charges with your annual mortgage statement, which is sent out every second quarter, and you will also find it on our website. You can also phone our Customer Services department to receive any of your previous statements. You can ask us for a copy of your deed for a fee, and we can send you one of our agents to counsel you regarding your mortgage for a charge. We are clearly your best option for home loans in the UK.

Customer Reviews & Testimonials

July 2019

Their online service made it easy to do payments, even on weekends

Irene J
— Brighton —

March 2019

It was very easy to in contact with one of their advisors

Lucy D
— Eidinburgh —

December 2018

They offer great customer service.

Larry C
— London —

Foundation Home Loans Contact Details

Physical Address

  • 5 Arlington Square, Downshire Way Bracknell England RG12 1WA United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:30
  • Tuesday 09:00 – 17:30
  • Wednesday 09:00 – 17:30
  • Thursday 09:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed