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Foundation Home Loans launches broker portal

Foundation Home Loans has launched an online broker portal to help simplify mortgage administration.

The portal, Technology Enhanced Decisioning, lets introducers complete online DIPs, send applications directly to FHL, upload supporting documents and track ongoing cases.

FHL commercial director Simon Bayley says: “Our stated aim has always been to constantly improve our service for our introducer partners and the launch of our new portal demonstrates our commitment to providing the conditions which make dealing with FHL, the simplest and most efficient in the market.

“I would add that this is just a first step in creating the best online experience for introducers, backed up by the wealth of accessible human experience we have both at head office and in the field through our regional account managers.

“Introducers can expect to see regular additional services and other enhancements to the system in the months to come.”

Buy to Let Club managing director Ying Tan says” “We have been part of the beta testing on the new portal and are impressed with the look and feel, the ease of use and the efficiency it has brought to dealing with FHL. We look forward to working with FHL on the next stage of development.”



Foundation Home Loans to increase rental coverage ratio

Foundation Home Loans is set to become the latest lender to increase its rental cover requirements. In June the lender will increase its rental cover requirements from 125 per cent to 145 per cent for individual applications, while limited company products will remain 125 per cent. The Bracknell-based lender’s commercial director, Simon Bayley, says: “There […]

Foundation Home Loans: The lender at one year old

Foundation Home Loans is just one year old but its roots pre-date the credit crunch. Given the Chancellor’s recent attack on buy-to-let, what do FHL’s bosses think lies ahead for both the firm and the sector? Foundation Home Loans had hardly opened its doors last year when the Chancellor delivered his first blow to the […]


Complete FS founding director returns after 8 years

Damian Cain, a founding director of Complete FS, has returned to the packager after eight years. Cain and Mike Hill set up the firm in 1993, with the former leaving in 2008 to launch a student buy-to-let business. He has taken on the responsibility for all of the packager’s major accounts and developing business in […]

Strong dollar can be a powerful driver of UK dividend growth in 2015

By Robin Geffen, fund manager and CEO 

This year threatens to be a challenging one for UK dividend hunters. Last year saw an all-time record amount paid out in UK dividends — some £97.4bn, according to research from Capita Dividend Monitor. Yet as Capita also pointed out, out the biggest single factor driving the growth in the fourth quarter of last year was easy to identify: the rising US dollar. 

In our view, this trend is much more than simply a one-quarter phenomenon. It is actually the most profound issue to get right as a UK equity income investor in 2015. We believe that the US dollar will continue to strengthen significantly from its current level. This is due more to the US economy’s demonstrable de-coupling from the rest of the world than to a view on the UK. The US has a strong chance of tightening monetary conditions this year without jeopardising growth or de-stabilising its housing market. The same can unfortunately not be said about the UK.


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