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The HMO Mortgage Broker

Foundation Home Loans

Foundation Home Loans is a specialist lender for individuals and limited companies. They offer a range of buy-to-let mortgages, including products for HMOs, short-term lets, and multi-unit blocks, catering to clients with complex needs.

  • Tiered products for varying credit histories (F1-F4)
  • No bedroom limit for large HMOs at 65% LTV
  • First-time landlords considered for HMOs

HMO Services

See our guide to HMO mortgages for criteria, valuation and how specialist lenders underwrite multi-let stock. Or compare HMO mortgage lenders side by side.

Foundation Home Loans HMO Rates

Borrower Criteria

Criteria last checked 10 March 2026.

Who they lend to

  • Yes:Individuals
  • Yes:Limited companies
  • No:LLPs
  • No:Offshore companies

Experience and credit

  • Yes:First-time landlordsFirst-time landlords considered for HMOs up to 6 rooms. For Large HMOs, 24 months experience is required.
  • Yes:No property experience needed
  • Yes:Adverse credit consideredOffers F1 to F4 tiers, catering for near-prime to more complex credit histories including CCJs, defaults, and missed payments.
  • Yes:Borrowers aged 18 to 85

How to apply

  • Yes:Through a broker
  • No:Direct to the lender

Frequently Asked Questions

Common questions about Foundation Home Loans and their HMO mortgage services.

What are Foundation Home Loans's HMO mortgage rates?

Foundation Home Loans publishes HMO mortgage rates that vary by product, loan-to-value, borrower profile and property type. Ask us for a dated illustration rather than a generic headline rate.

What are Foundation Home Loans's borrower criteria?

Foundation Home Loans accepts first-time landlords. Adverse credit is considered on a case-by-case basis. Minimum age: 18 years, maximum age: 85 years.

Does Foundation Home Loans accept intermediary applications?

Foundation Home Loans accepts intermediary applications. All applications must be made through intermediaries.

What HMO services does Foundation Home Loans offer?

Foundation Home Loans offers Hmo Mortgages, Hmo Remortgages, Portfolio, Limited Company, First Time Landlord, Bad Credit. Contact us to discuss your specific requirements and find the best solution for your property investment needs.