About Fundamenta
A specialist property finance brokerage built on deep market understanding and a commitment to helping clients navigate complex lending decisions with clarity and confidence. Fundamenta was founded on a simple principle: securing property finance requires total alignment with the lender's mindset, absolute technical precision, and flawless execution. Too often applications encounter difficulties not because the underlying deal is unsuitable, but because the case has been placed with the wrong lender, misaligned with their specific risk appetite, or presented without the key risk points mitigated. 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. Too often, great applications fail or stall simply because they are placed with the wrong lender, misaligned with a specific policy criteria, or presented without the key risk points mitigated upfront.
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 extreme 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 carefully 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.
Excellence
We hold ourselves to high professional standards in the way we prepare and manage each transaction. From the first conversation to completion, our focus is on providing careful guidance and clear communication to every stage of the process.
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
A clear three-stage process designed to keep things straightforward, well-prepared and moving smoothly from our initial discussion through to completion.
Assess & Structure
We start by understanding your position, your goals and the transaction itself. Using our industry and first-hand lender knowledge, we review your information, identify a suitable product and outline the recommended next steps, so you have a clear view of how the case can be approached before an application is submitted.
Package & Present
We then prepare your application and supporting documentation, carefully structuring the case in line with the lender expectations and ensuring everything is clear and complete to help avoid delays and unnecessary back-and-forth.
Manage & Close
We manage the process with the lender from submission through to completion, handling discussions, coordinating the valuation and legal stages, and keeping everything on track. You will receive clear, timely updates at each stage, so you always know what's happening.
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.