New products includes tailored options for complex landlords and multi-unit properties
Specialist lender Foundation Home Loans has launched a new range of limited edition buy-to-let mortgage products aimed at borrowers seeking larger loan amounts.
The lender has designed the five new offerings with flat fee structures and a focus on niche borrower segments, including expats, houses in multiple occupation (HMOs), and multi-unit freehold blocks (MUFBs).
The updated product suite includes two F1 five-year fixed-rate options for landlords with near-clean credit histories. One is priced at 5.19% with a flat fee of £4,995, available up to 75% loan-to-value (LTV) and a minimum loan size of £200,000. A second option offers a lower rate of 4.99%, with a higher flat fee of £7,995 and a minimum loan of £300,000.
Under the F2 tier, which targets more complex property types, Foundation is offering a two-year fixed rate mortgage for large HMOs at 6.34%, and a five-year version at 6.14%. Both come with a flat fee of £4,995, 75% LTV, and a minimum loan requirement of £200,000. For MUFBs, the lender has introduced a five-year fixed product at 5.64% under the same fee and lending criteria.
“These new Limited Editions are designed to deliver real value to landlords seeking larger loans, while supporting brokers with options that address the complexity of modern buy to let lending,” said Tom Jacob (pictured), director of product and marketing at Foundation Home Loans.
“We continue to innovate across the buy-to-let spectrum and remain committed to providing products that go further than just competitive rates. At Foundation Home Loans, our strength lies in our broad proposition, underpinned by specialist expertise.”
The launch follows Foundation Home Loans’ recent capital markets move. Last month, the intermediary-only lender completed its latest securitisation, raising £550 million through the Braccan Mortgage Funding 2025-1 transaction. The proceeds from this deal are earmarked to support the expansion of its specialist mortgage range.
In a further change, the rate on Foundation’s existing F1 expat two-year fixed product has been reduced by five basis points to 6.09%, available up to 75% LTV with a 1.50% fee.
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