FHL relaunches entire buy-to-let range with new products and higher loan sizes

The lender has relaunched its entire buy-to-let range, with a number of new and repriced products.

Related topics:  Buy-to-let
Rozi Jones | Editor, Financial Reporter
3rd April 2025
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Foundation Home Loans has announced a full refresh of its buy to let product range, including a significant increase of maximum loan sizes on most 65% LTV products – now available up to £3 million.

Foundation said the enhancement was designed to better serve the growing number of portfolio landlords and specialist borrowers requiring larger loans.

To accommodate this criteria change, Foundation has relaunched its entire buy-to-let range, with a number of new and repriced products. 

In its F1 range – for clients with an almost clean credit history – two-year fixed rate limited edition mortgages at 75% LTV have reduced by 5bps to 5.60% with a 1% fee.

A new F2 – for clients financing a more specialist property type – two-year fixed rate HMO limited edition product, also available at 75% LTV, has launched with a rate of 5.75% and a 1% fee.

In addition, new F1 and F2 five-year fixed rate Green ABC+ products - for properties which already have an Energy Performance Certificate (EPC) level of A-C - are available up to 70% LTV, with rates starting from 5.79%, a 1.25% fee, no application fee and a free valuation. These come with a maximum loan size of £2 million.

Foundation has also cut rates on selected F2 products, including specialist categories such as expat borrowers and complex property types, with rate reductions of up to 15 bps.

The criteria and product refresh follows on from Foundation’s launch of its new Property Plus and HMO Plus product range earlier this year – for properties that don’t meet its standard property criteria.

Tom Jacob, director of product and proposition at Foundation Home Loans, commented: “Our goal at Foundation is to ensure our proposition evolves in line with the needs of our intermediary partners and their landlord clients. Increasing the maximum loan size to £3 million on the majority of our lower LTV products is a direct response to broker feedback and market demand.

“Coupled with a complete refresh of our full range of buy-to-let products, today’s update reaffirms our focus on delivering flexible, competitive solutions for all types of landlords – from those purchasing in a limited company structure, to those with HMOs, specialist properties, or who live overseas.

“The breadth and depth of our product and criteria offering continues to grow, as we seek to fill the gaps that exist in the buy to let marketplace, and ensure advisers have access to a market-leading proposition that can help them find the right solutions for their landlord clients, each and every time.” 

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