"Extending our core buy-to-let offering into the 85% LTV band represents a significant step for the business and a big moment in BTL lending"
- Tom Jacob - Foundation Home Loans
Foundation Home Loans, a specialist lender serving intermediaries only, has expanded its buy-to-let range with a new product at 85% loan-to-value (LTV), a segment rarely offered in the market.
The F1 buy-to-let product is available to individuals and limited companies. It features a five-year fixed rate of 6.49%, no product fee, and a minimum loan size of £100,000. The lender does not require a minimum income, and brokers benefit from same-day decisions in principle (DIP).
By combining a high LTV with zero product fees, the offering aims to attract a broad range of borrowers, from first-time landlords to experienced investors seeking to release equity or grow their portfolios.
This addition makes Foundation Home Loans one of only two lenders currently active at this LTV level in the buy-to-let market. It complements the company’s wider BTL product range and highlights its focus on innovation and practical solutions for landlords.
“Extending our core buy-to-let offering into the 85% LTV band represents a significant step for the business and a big moment in BTL lending.” comments Tom Jacob, director of product and marketing at Foundation Home Loans.
He added, “It provides landlords and our intermediary partners with a compelling, low-deposit route to access funding in a market where affordability can often be a barrier, particularly for those looking to maximise leverage or reduce upfront costs.”
“Whether it’s a client’s first rental property or an addition to an existing portfolio, this product opens up new borrowing opportunities with the reassurance of a competitive, fee-free rate and our trademark fast turnaround times. We expect it to be an extremely popular option,” Jacob explained.
