"These new Limited Editions are designed to deliver real value to landlords seeking larger loans, while supporting brokers with options that address the complexity of modern buy-to-let lending"
- Tom Jacob - Foundation Home Loans
Foundation Home Loans has announced that it has launched five new Limited Edition buy-to-let products aimed at expat landlords and investors in houses in multiple occupation (HMOs) and multi-unit freehold blocks (MUFBs), with flat fee structures and minimum loan sizes starting at £200,000.
The intermediary-only specialist lender introduced the products on 18 June 2025, highlighting their focus on larger loans and niche areas of the market.
The new products include:
F1 range (for landlords with an almost clean credit history):
A five-year fixed rate at 5.19%, flat fee £4,995, 75% loan-to-value (LTV), minimum loan of £200,000
A second five-year fix at 4.99%, flat fee £7,995, 75% LTV, minimum loan of £300,000
F2 range (for borrowers financing more specialist property types):
Large HMO two-year fixed rate at 6.34%, flat fee £4,995, 75% LTV, minimum loan of £200,000
Large HMO five-year fixed rate at 6.14%, flat fee £4,995, 75% LTV, minimum loan of £200,000
MUFB five-year fixed rate at 5.64%, flat fee £4,995, 75% LTV, minimum loan of £200,000
Alongside the new launches, Foundation Home Loans has made a rate reduction on its F1 Expat two-year fixed product. The rate has been lowered by five basis points to 6.09%, with a 1.50% fee and a 75% LTV.
The lender noted that these product enhancements are part of its strategy to maintain a wide-ranging portfolio tailored for borrowers with specific requirements and that its focus on segments such as expats, HMOs and MUFBs reflects a deliberate approach to addressing areas that require more specialist underwriting. It added that by offering a broader selection of solutions beyond just pricing, brokers would be better equipped to meet the needs of a wider range of clients.
“These new Limited Editions are designed to deliver real value to landlords seeking larger loans, while supporting brokers with options that address the complexity of modern buy-to-let lending,” said Tom Jacob, director of product and marketing at Foundation Home Loans. “We continue to innovate across the buy-to-let spectrum and remain committed to providing products that go further than just competitive rates. At Foundation Home Loans, our strength lies in our broad proposition, underpinned by specialist expertise.”
