Foundation Avis 

Foundation has one of the best BDMs I have experienced in Patrick, a font of knowledge and someone who wants to get business done. He has been exceptional in many cases for me.

The underwriters, on the whole, are fantastic. An area for improvement would be to provide some more specificity on requirements when providing feedback to underwriting points. "We need more history of x documents" doesn't clarify how much more. "We need 6, 12, or 18 months of XYZ" would be better feedback and prevent back-and-forth messages and delays.

A document that has caused at least a week of delay on a case is the gifted deposit form. There is no space to sign or date and no instructions that a signature or date is required. A redesign of this form could certainly improve the process, as I have had a back-and-forth with UW first about a lack of signature (no signature box) and then, upon resubmission, being told it is still not acceptable as there is no date (no space to show date).

Overall a great lender but the above feedback points being actioned would speed up processing, increase efficiency and reduce work load all around.

I had a case that was awaiting review of valuation in order for the offer to be created. The sellers were on the verge of pulling out of the deal and my client was extremely stressed about losing the property. I called Foundation and explain the situation to a fantastic lady called Farah Abbasi who understood the urgency of the matter, put me on hold to go speak to the underwriter herself who then kindly agreed that she would expedite the review of the case that same day as an exception. Thanks to Farah and the underwriter, the case got offered that evening and my client did not lose the purchase property. I can't say how impressed and grateful I am with Foundations services.

I had a particularly tricky mortgage on my desk which didn't seem to fit with any lender. Cheryl Power (BDM) advised Foundation would probably look at this - I was sceptical considering all other lenders were saying 'no'. She liaised with a senior underwriter - Andy Thursby - who advised the case is definitely a case they will consider too. The client decided to pay up front fees and go for it. Andy picked up the case himself, underwriting questions were reasonable and not over-cumbersome, and the mortgage was agreed and offer issued in 6 working days. Really impressive timescales and outcome considering the circumstances.

Great company. Mortgage payments are set out on buy to let property and running seamlessly. 👍 Fantastic service!

Sensible underwriting and fantastic service from my business development manager Cheryl.

Processed the application reasonably quickly. Specific about what documents required. Only issues were delays around valuation because of the Christmas & New Year period. Offer issued and client satisfied.

Documents required should be listed at the outset
not by following NINE e.mails asking 9 additional
documents 9 additional questions during 12 weeks
AND
one case handled and passed on to several underwriter
EACH asking different questions and demanding additional DOCUMENTS,

A Fantastic team, a pleasure working with them. Helpful and knowledgeable. A Shout out for Farah Abbasi, without her the case would of never completed.

Liked the policy you have around the pensions, but the SLA is terrible. From app to offer took over 2 months which is not good enough.

Offers received on a remortgage and purchase. A common sense approach. Doing business with Foundation is easier due to having the amazing Fiona Robertson as my BDM.

Foundation Home Loans have a common sense approach to lending, and you can speak to them on the phone. Much better than the average high street lender. Their underwriters called to discuss any points that needed addressing.

Excellent Customer service and BDM support. Very smooth process from start to finish. Would highly recommend.

Superb BDM guidance from Fiona Robertson supported by a common sense underwriting approach. The perfect combination. Thank you FHL.

Flexible criteria, consistent and accurate updates from underwriter. BDM who was knowledgeable and helpful. Great experience!

A great lender to work with. Common sense approach to lending.

Easy application system, easier to get a response from BDM. Quick offer timescales and flexible criteria

SLOW FRUSTRATING PROCESS - 5 working day turnarounds for small elementary matters results in the application taking a long and frustrating journey. Thankfully the end result with my recent cases have been positive - but the process needs to speed up.

Dedicated team willing to go the extra mile to get the deal done and over the line !