Foundation Home Loans increases maximum loan size across buy to let range to £3m

03 April 2025

Foundation Home Loans, the intermediary-only specialist lender, has today (Thursday 3rd April) 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, and reaffirms its commitment to offering tailored solutions to all types of landlord – from first-time investors to experienced portfolio players.

To accommodate this criteria change, Foundation has relaunched its entire buy to let range, with a number of new and repriced products available from today. These include:

F1 – for clients with an almost clean credit history – two-year, fixed-rate Limited Edition mortgage, available at 75% LTV – now reduced by five basis points (bps) 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, with a rate of 5.75% and a 1% fee.
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 - 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 - plus it is also active in a number of other product spaces including Short Term Lets, Holiday Lets, Expats, Multiple Properties on One Title and Mixed-Use Properties.

Foundation said its experienced external and internal sales team remain on hand to help brokers with case placement and criteria queries.

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.”

For more information on the refreshed Buy to Let product range, please visit:
www.foundationforintermediaries.co.uk