Who is Foundation Home Loans?
Foundation Home Loans is a specialist mortgage lender based in Bracknell, Berkshire, United Kingdom. The company was established in 1998 and has since evolved into a leading provider of Buy to Let and Residential mortgage solutions.
With a strong focus on borrowers with complex financial circumstances, Foundation Home Loans serves portfolio landlords, self-employed individuals, and those with non-traditional income sources.
Unlike high-street banks, Foundation Home Loans does not offer direct lending to consumers. Instead, its mortgage products are available exclusively through authorised financial intermediaries, ensuring that clients receive expert guidance tailored to their specific borrowing needs.
Over the years, the company has expanded its offerings and developed a reputation as a trusted mortgage provider, helping landlords and homeowners access financing solutions that may not be readily available through traditional lenders.
How Has Foundation Home Loans Evolved Over the Years?
Foundation Home Loans has undergone several strategic changes since its launch, adapting to market conditions and positioning itself as a key player in the UK mortgage industry. Below is a timeline of its major milestones:
| Year | Milestone |
| 1998 | The company was founded as RFC Mortgage Services Limited, launching as a mortgage lender in the UK. |
| 2000 | Acquired by GMAC and rebranded as GMAC-RFC Limited, introducing the GMAC Residential Funding brand. |
| 2002 | Achieved recognition as the UK’s 13th largest lender. |
| 2006 | Became the 10th largest lender in the UK, expanding its market presence. |
| 2010 | Following the financial crisis, the company realigned its business model to focus on mortgage servicing and was acquired by Fortress Investment Group LLC. |
| 2011 | Changed its name to Paratus AMC Limited, continuing its role as a mortgage servicer. |
| 2015 | Transitioned back into lending under the new brand Foundation Home Loans, offering specialist mortgage products. |
These strategic shifts have enabled the company to adapt to changing market conditions while maintaining a strong position in the specialist mortgage sector. Today, Foundation Home Loans is known for its expertise in lending to customers with unique financial profiles.
What Mortgage Services Does Foundation Home Loans Offer?
Foundation Home Loans specialises in two main categories of mortgages:
Buy to Let Mortgages
These products are designed for landlords looking to finance rental properties. The lender caters to:
- Portfolio landlords who own multiple investment properties
- Limited company landlords who hold property investments through a corporate structure
- HMO (House in Multiple Occupation) investors who require financing for properties rented out to multiple tenants
Residential Mortgages
Foundation Home Loans also provides mortgage solutions for individuals who do not fit the standard lending criteria of mainstream banks. Their residential mortgage products are suitable for:
- Self-employed borrowers who may have irregular or complex income structures
- Borrowers with adverse credit history who may struggle to secure financing from traditional lenders
- Applicants with multiple sources of income that require a more flexible approach to affordability assessment
The company’s commitment to offering tailored mortgage solutions ensures that more borrowers can access homeownership and investment opportunities, even if they have non-traditional financial circumstances.
What Makes Foundation Home Loans a Specialist Lender?
Foundation Home Loans distinguishes itself as a specialist lender by focusing on borrowers who do not meet the rigid criteria of mainstream mortgage providers. The company’s expertise lies in financing:
- Portfolio landlords who require mortgages for multiple properties
- HMO investors who need financing for shared accommodation rentals
- Borrowers with complex or irregular income sources, such as freelancers and business owners
- Self-employed individuals who may not have a traditional salary structure
- Applicants with an imperfect credit history who may find it difficult to secure loans elsewhere
By working exclusively through financial intermediaries, Foundation Home Loans ensures that its customers receive professional mortgage advice suited to their unique financial situations. This approach helps borrowers secure the most appropriate mortgage products for their needs.
How Can You Contact Foundation Home Loans?
For enquiries regarding mortgages, payment assistance, or career opportunities, Foundation Home Loans provides several communication channels:
Phone Contact
- Telephone: 0344 770 8030
- Operating hours: Monday to Friday, 9:00 AM – 5:30 PM (excluding bank holidays)
Email Contacts
- General customer enquiries: customerservices@foundationhomeloans.co.uk
- Payment difficulties: am@foundationhomeloans.co.uk
- Career opportunities: recruitmentservices@foundationhomeloans.co.uk
Head Office Address
- Location: Bracknell, Berkshire, United Kingdom
The company encourages customers to reach out via their financial adviser or mortgage intermediary for product-related enquiries.
For more information, visit the official website:
- Website: www.foundationhomeloans.co.uk
Why Should Borrowers Consider Foundation Home Loans?
Foundation Home Loans has built a strong reputation in the UK mortgage industry by offering specialist lending solutions for borrowers with unique financial needs. The company stands out for the following reasons:
- Expertise in specialist mortgage lending – With over 25 years of industry experience, the company understands the challenges faced by landlords and borrowers with non-traditional income sources.
- Tailored solutions for complex financial circumstances – The lender provides mortgage products for portfolio landlords, HMO investors, self-employed individuals, and those with an imperfect credit history.
- A dedicated intermediary-based approach – Customers access mortgage products through authorised financial advisers, ensuring they receive expert advice on selecting the right mortgage.
- Flexibility in mortgage criteria – Unlike high-street lenders, Foundation Home Loans evaluates applications on a case-by-case basis, allowing more borrowers to qualify for financing.
- Strong market presence and track record – With a history dating back to 1998, the company has grown to become a key player in the UK’s specialist mortgage market.
For landlords and homeowners who may struggle to secure financing through traditional banks, Foundation Home Loans provides a valuable alternative by offering specialist mortgage solutions tailored to unique borrowing requirements.
By consulting a financial adviser, prospective borrowers can explore the mortgage products available through Foundation Home Loans and determine the most suitable financing option for their needs.
