"These enhancements demonstrate our clear commitment to supporting brokers and their clients with larger, more complex buy-to-let requirements"
- Tom Jacob - Foundation Home Loans
Foundation Home Loans has announced a significant refresh of its Buy to Let Specials range, introducing new product options, enhanced loan limits and rate reductions. The intermediary-only specialist lender unveiled the changes on 8 August 2025, aiming to broaden support for landlords with larger or more complex borrowing needs.
The lender has increased maximum loan sizes across several LTV tiers. For standard properties, borrowers can now access loans up to £3 million at 65% LTV and up to £5 million by exception. The 70% LTV tier has been raised to £3 million, while 75% LTV is now capped at £2 million. The new 80% LTV tier allows for loans up to £750,000. These increases do not apply to HMOs, multi-unit blocks (MUFBs), or short-term lets, which remain capped at £1 million up to 75% LTV.
Alongside the loan size enhancements, Foundation has introduced new 80% LTV options across its Specials range. These products are available for both standard properties and HMOs or MUFBs, giving landlords more flexibility when seeking higher gearing for investment purchases or remortgages.
Within the Specials range, F1 two-year fixed rates now start from 3.89% at 65% LTV and are available at 70% and 80% LTV with a 4% product fee. F1 five-year fixes begin at 4.74% with a 6% fee for the 65%, 70%, and 75% LTV tiers. For 80% LTV, the five-year fix is offered with a 4% fee.
F2 HMO two-year fixed rates have been reduced by 10 basis points, starting at 4.44%, with the 80% LTV option now available at 4.84%. F2 MUFB five-year fixed rates start at 5.39%, with the newly introduced 80% LTV version priced at 5.79%.
All Specials products are available to both individual and limited company borrowers, allowing advisers to support a broad range of landlord strategies and ownership structures.
Foundation Home Loans stated that the changes reflect its ongoing focus on being a leading choice for intermediaries handling larger or more specialised buy-to-let applications. The combination of new 80% LTV products, improved pricing and higher loan limits aims to provide advisers with more flexibility in structuring complex landlord cases.
“These enhancements demonstrate our clear commitment to supporting brokers and their clients with larger, more complex buy-to-let requirements," comments Tom Jacob, director of product and marketing at Foundation Home Loans. "By offering loans up to £3 million – and £5 million by exception – and extending our lending with new 80% LTV options, as well as further price cuts, we’re giving brokers the flexibility to place big-ticket cases with confidence.”
He added: “We’ve refreshed our Specials range to ensure there’s a competitive solution for every type of landlord, from standard F1 products through to F2 HMO and MUFB lending. The removal of previous loan caps and the alignment of aggregate borrowing limits also make it simpler for experienced landlords to scale their portfolios without unnecessary hurdles.”
“Our goal is to make Foundation the first port of call for brokers working on larger loan specialist buy-to-let cases. With competitive rates, larger loans, and increased flexibility across our lending criteria, we are positioning ourselves firmly as the lender for ambitious landlords and the brokers who support them.”
