About Fundamenta
Fundamenta was founded on one idea: a case succeeds or fails based on how well it is understood from the lender's side before it is ever submitted. Applications usually stall for one of three reasons: the wrong lender, a mismatch with that lender's risk appetite, or risk points left unaddressed before submission. Our role is to bridge that gap.
With years of experience on the lender side of the market, we bring practical insight into how property finance applications are assessed and how the decisions behind them are made. We apply that knowledge to support first-time buyers, homeowners and investors through a structured and transparent lending process. By carefully preparing each case and presenting it with the clarity lenders expect, our aim is to ensure applications are assessed efficiently on their true merits.
About Me
Hi, I'm Tatyana. My entry into property finance started purely because of my own interest in buying a home. In 2013, I relocated from Bulgaria to London and found myself working in luxury retail. As I began researching the UK property market, it created a spark and a real passion for the finance space. I realised I didn't just want to learn the nuances of property finance for my own purchase, I wanted to build a career out of it. I remember boldly telling my colleagues in the shop that I was moving to Scotland for a mortgage role at RBS, and that one day, I would be a broker.
That move was the start of an intensive education and career journey on the lender side of the market. I started at the grassroots, cold-calling clients in the RBS mortgage team to help them secure better product. It was a shortlived experience as after a round of redundancies I ended up working as account manager for Investec Structured Products. Although I appreciated the opportunity I had at the time working for a company of that scale, I knew I needed to get back to the mortgage world, as my passion was always in property.
In 2019, I joined The Mortgage Lender (TML) during an incredibly busy growth peak. Spending two and a half years handling "real-life lending" enquiries, which meant solving complex credit scenarios every single day, helping clients with very poor credit or high debt levels get on the ladder. This is where I also started learning about Buy-to-Let properties and the investor side of the market.
Wanting to push myself further, I took a role as the Scottish field BDM for LendInvest. Their approach, using technology to deliver fast turnarounds without sacrificing service, deeply shaped my view of what "great" looks like in this industry. It also expanded my expertise into bridging finance, portfolio lending, and refurbishment projects. From there, I moved on to Aldermore and then Ultimate Finance. My time at Ultimate was invaluable for mastering bridging, handling development exits, Below Market Value portfolios transactions and structuring smart deals with little to no cash deposit through title splits and clever use of debt.
After looking at thousands of cases from the lender's desk, I realised a critical truth: how a case is presented is just as important as the case itself.
That is exactly why I built Fundamenta. I took my insider credit knowledge, the lesson that presentation is everything, and my love for technology, which helped me build our website, integrate our CRM, and develop our calculators, to create a brokerage focused strictly on quality over quantity.
Whether you are a first-time buyer, a startup investor, or an experienced developer, I bring close attention to detail, structure, and precision to your funding. I always tell my clients that I am truly multilingual: I don't just speak Bulgarian and English. I speak Lender. Fluently.
View my profile on LinkedIn.
What Guides Us
Precision
Every application is packaged and presented. We take the time to understand the details of each transaction and ensure the information provided to the lender is clear, complete and appropriately structured before submission.
Transparency
We believe clients should understand the process from the outset. We provide clear guidance on potential costs, timelines and likely next steps, and remain actively involved throughout the transaction to help manage lender queries, legal progress and any issues that may arise.
Credit-Minded
Every case reviewed the way an underwriter would read it, before it's ever submitted.
Lender Fluency
We approach every case with the same critical lens used within lending institutions. By considering how underwriters evaluate risk and structure decisions, we prepare applications that anticipate questions and present the transaction with the context lenders expect.
How We Work
Three stages, from first conversation to completion, so you always know what happens next.
Assess & Structure
We start by understanding your position and the transaction itself. Drawing on lender-side experience, we identify a suitable product and set out how the case should be approached before anything is submitted.
Package & Present
We then prepare your application and supporting documentation, structured in line with the lender's expectations, so there's nothing left for them to query or send back.
Manage & Close
We manage the process with the lender from submission through to completion, coordinating valuation and legal stages and keeping you updated at every point.
Supporting clients at every stage of their financial journey.
Working with homeowners, investors and businesses across the full range of property finance, from initial planning through to completion and beyond, with each case individually structured and tailored to your circumstances.
Homeowners purchasing or refinancing residential property
Whether buying your first home, moving, or refinancing an existing property, we help structure your application clearly and appropriately for your circumstances.
Buy-to-let investors and portfolio landlords
From single properties to larger portfolios, we support investors across a range of transaction types, including acquisitions, refinancing and portfolio restructuring.
Property investors requiring short-term finance
For time-sensitive acquisitions, auction purchases, refurbishment projects or development exits, we arrange bridging finance and manage the process carefully through to completion.