Rating based on 13 reviews

Foundation Home Loans


  • Property Finance up to £750,000
  • Low-interest starting from 20%
  • Repayment up to 360 months

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Foundation Home Loans homepage

Author Foundation Home Loans. Screenshot of Foundation Home Loans website. [Accessed May 14, 2020]

About Foundation Home Loans

Foundation Home Loans is an intermediary only lender and we are committed to supporting you and ensuring a long, good standing relationship.

We always put our customers first, which includes the design of our mortgage systems and processes. Maintaining strong and honest relationships with our customers is how we like to do business.

Here are our commitments to you

Reliable lenders are of the utmost importance and we understand that. Therefore, these are our commitments to you:

  1. At least 48 hours notice before withdrawing a product
  2. You have direct access to a dedicated team that are trained to assist you throughout our dealings
  3. Our aim is to only ask you once for supporting documentation during the online loan application process
  4. Our current service levels are always kept current and updated on our website
  5. If possible, we will always explain why a case is declined

Foundation Home Loans Services

We offer a range of competitive residential and buy to let financial products.

This includes our newly launched BTL products for Houses in Multiple Occupation (HMO) and Multi-Unit Blocks / properties (MUB).

Standard and specialist product ranges

As we like to cater for as many individuals as possible, we have a standard product range for clients with good credit records and a specialist range is for clients with poor credit records. If you have not enjoyed quick loan approval at traditional lenders and banks, we are in a position to assist you as our requirements are flexible.

Variable loan terms

The home loans we offer range from a minimum repayment term of five years to a maximum of 35 years. Terms and conditions apply depending on the type of mortgage loan, whether the product is from our standard or specialty range and a number of other factors. All these factors will be finalised in your loan agreement. Our broker desk team are always ready to discuss a case and you can be certain that we deliver with speedy service.

Foundation Home Loans Product Details

  • Loan Type Property Finance
  • Interest Rate from 20%
  • Loan Amount up to £750,000
  • Repayment 60 months to 360 months

Benefits of Foundation Home Loans

  • Buy to let mortgages
  • Residential mortgages

Foundation Home Loans strive to provide the best home loan service in the UK

So, how do we get things done? There are only five simple steps and that is how we handle your application.

Our customers are notified at every stage and always kept up to date throughout the entire process.

Step 1: Register with us
You are required to register to submit your cases online. The registration process is easy and you could be ready to start your first case within only five minutes.

Step 2: Get your log in details
Once you have successfully registered, you will be sent your login details so you can start your first case.

Step 3: Decision in principle
We have designed our portal with simplicity and ease and submitting your cases could not be any easier.  You will only be asked for the information that we require to give your clients a quick and reliable online loan decision.

Step 4: Application
Once your client has finalised their application, you can progress their case online and upload documents. As everything is kept in one location, it is easy to monitor and manage.

Step 5: Offer
Once your client's case is accepted, we will notify you via the portal. Additionally, you will be sent your client's offer pack, including all of the details they will need for the completion of their case. You will be informed every step of the way but should you require additional feedback, our dynamic team are always ready to assist you.

Requirements to apply for a home loan

We do have requirements that you will need to meet before applying for a loan. All requirements are clearly detailed on our website and some of these requirements include the following.

Residential mortgage requirements

  • 18 years or older
  • 75 years at end of mortgage term
  • At least one borrower must have an active credit history

  CCJs/Defaults requirements

Our Standard Range requires applicants to not have had CCJs/defaults registered in the last 24 months whereas our Specialist Range allows for a maximum of two CCJs/defaults registered in the last 24 months up to the value of £2000.

Other requirements

Please visit our website or contact us today for the full set of requirements, which are not limited to the above. Our transparent business nature allows you to know all your need to know before applying for one of our home loan products.

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Foundation Home Loans is a trusted & reliable provider of property finance

In our review, Foundation Home Loans adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Foundation Home Loans is a registered credit provider in the UK; FCA number 301128

Customer Reviews & Testimonials

The money took a bit longer to reflect than I would have hoped, but the services overall was very good.

Kendra B
— Bracknell —

Thanks to them I was finally able to finance my own home.

Kenna L
— Warfield —

Good product and service at a nominal fee.

Rhonda W
— Popewood —

Foundation Home Loans Contact Details

Physical Address

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

Postal Address

  • 5 Arlington Square, Downshire Way, Bracknell, RG12 1WA, UK

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