FHL cuts rates and adds 90% LTV products

F1 professionals five-year fixed rate includes a £350 cashback.

Related topics:  Finance,  Residential,  Foundation Home Loans
Property | Reporter
17th July 2025
Rate reductions
"These changes reflect our ongoing commitment to residential borrowers who don’t quite fit the mainstream mould. We remain focused on delivering a range of specialist solutions, backed by robust underwriting and consistently strong service levels"
- Tom Jacob - Foundation Home Loans

Intermediary-only specialist lender, Foundation Home Loans, has introduced several updates to its residential mortgage offerings from today, Thursday 17 July 2025. The changes include rate reductions of up to 50 basis points (bps) across its F1–F4 product tiers, cuts of up to 15bps on Green products, new fixed-rate options at 90% loan-to-value (LTV), and expanded choices for key workers.

These improvements reinforce Foundation’s focus on providing competitive and flexible mortgage solutions for borrowing groups often overlooked by mainstream lenders, including first-time buyers, key workers, professionals, and purchasers of energy-efficient homes.

Key updates include:

New products

F1 two- and five-year fixed rates at 90% LTV, starting at 6.54% with a £995 fee.

F1 key worker five-year fixed rate available up to 75% LTV, priced at 5.64% with a £595 fee, free valuation, and no application fee.

Rate reductions

F1 two- and five-year fixed rates lowered by 20bps, now from 5.39% with a £995 fee.

F1 Green two- and five-year fixed rates reduced by up to 15bps, beginning at 5.44% with a £595 fee and one free standard valuation.

F1 key worker two- and five-year fixed rates cut by up to 50bps, with rates starting at 5.59%, including a £595 fee, no application fee, and one free standard valuation.

F1 professionals' five-year fixed rates reduced by up to 50bps, now from 5.74% with a £995 fee and a £350 cashback.

F2 two- and five-year fixed rates down 10bps, starting at 5.79% with a £995 fee.

F2 Green two- and five-year fixed rates reduced by 10bps, now from 5.74% with a £595 fee and one free standard valuation.

F3 two- and five-year fixed rates cut by up to 20bps, beginning at 6.09% with a £995 fee.

F4 selected two- and five-year fixed rates lowered by up to 10bps, now from 6.39% with a £995 fee.

“These changes reflect our ongoing commitment to residential borrowers who don’t quite fit the mainstream mould. We remain focused on delivering a range of specialist solutions, backed by robust underwriting and consistently strong service levels," comments Tom Jacob, director of product and marketing at Foundation Home Loans. 

He added, “Our ultimate aim is to provide our intermediary partners with a more versatile product range that responds to ever-evolving client needs, and through the introduction of new high-LTV options, reduced rates, and expanded product options for key workers, we’re delivering greater choice where it’s needed most.”

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