Foundation Home Loans: Flexible Remortgage Solutions for UK Borrowers in 2025

Remortgaging Made Simple with Foundation Home Loans

As fixed rate periods draw to a close for many UK homeowners and landlords this autumn, the demand for remortgage options is surging. Foundation Home Loans steps up with a newly enhanced range of remortgage solutions, catering to diverse financial circumstances—including clients with recent credit blips or unique income arrangements. If you’re planning to remortgage, their flexible approach could provide the support you need, ensuring you move forward with confidence and speed.

Remortgage Product Updates from Foundation Home Loans

• High Loan-to-Value (LTV) Options: Remortgage products available up to 90% LTV for a broad range of applicants.
• Part and Part Mortgages: New part and part options (mix of repayment and interest-only) up to 80% LTV—ideal for those seeking lower monthly outgoings with some capital repayment.
• No Loan-to-Income (LTI) Cap: For £ for £ remortgages (where you’re not raising extra funds), Foundation Home Loans offers no LTI restrictions, giving greater flexibility to borrowers.

These features mean competitive choices for customers with high LTV needs, complex plans, or those wishing to remortgage with maximum affordability in mind.

Updated Lending Criteria: Broad & Inclusive Approach

• All Types of Income Considered: Foundation accepts 100% of bonuses, commission, pensions, investments, trust and property income for affordability calculations.
• Flexible Employment Requirements: Only 3 months required in your current job for employed applicants. Self-employed, contractor and director income also considered.
• Tiered Credit Acceptance: Applicants with mild to significant credit issues can access products, thanks to Foundation’s F1 (near-mainstream) through F4 (adverse credit within 6 months) credit tiers.

This flexibility benefits first-time remortgagers, those using variable income, and borrowers with complex or recent credit events—making Foundation a standout for hard-to-place or non-standard cases.

Special Features and Promotions

• Fast Decision-Making: Foundation is recognised for its agile underwriting, especially useful during busy remortgage seasons.
• No LTI Cap for £ for £ Remortgages: Allows more applicants to secure remortgage deals without being restricted by debt-to-income calculations, perfect for those looking to simply switch rates.
• Inclusive Criteria for Income: Uniquely inclusive approach ensures even complex income sources and recent employment changes are considered positively.

Borrowers with recent credit issues, those in new jobs, or anyone paid irregularly (commission, contractors) stand to benefit most from Foundation’s approach.

Why Choose Foundation Home Loans?

• Comprehensive and flexible criteria—helping those turned down elsewhere.
• Competitive, up-to-date remortgage rates, even at high LTVs.
• Inclusive of recent credit events and a broad range of income sources.
• Efficient process—designed to keep remortgage applications on track, even during periods of high demand.

Whether you are a homeowner, landlord, first-time remortgager, or someone with complex circumstances, Foundation Home Loans offers some of the most flexible remortgage solutions available in the UK lending market.

Speak to an Expert Today

Unsure which remortgage is right for you? Our experienced mortgage advisers can help you navigate the latest Foundation Home Loans products and criteria, so you can secure the best deal for your situation. Contact our team today for personalised, expert mortgage advice.

Frequently Asked Questions (FAQs)

• Who can qualify for a Foundation Home Loans remortgage?
  Foundation considers employed (min 3 months in role), self-employed, contractors, and applicants with a range of credit histories—including recent adverse credit—making it suitable for many borrower types.
• How do flexible criteria benefit remortgage applicants?
  Broad income acceptance and a tiered approach to credit issues mean more borrowers can qualify, even with complex income or recent credit blips.
• What are “£ for £” remortgages?
  These are remortgages where the loan amount remains the same, with no additional borrowing. Foundation imposes no loan-to-income cap on these, increasing affordability.
• Is Foundation suitable for buy-to-let remortgage needs?
  Yes, their criteria flexibility also applies to landlords and buy-to-let investors—especially those with recent credit events or varied income sources.
• How do I find out if I’m eligible or apply?
  Contact our mortgage advice team directly. We’ll check your eligibility across Foundation and the wider market, offering tailored guidance every step of the way.