Foundation Home Loans enhances Buy to Let Specials with increased loan sizes and new products including 80% LTV options
08 August 2025
Foundation Home Loans, the intermediary-only specialist lender, has today (8th August) announced a major refresh of its Buy to Let Specials range, leading with significant improvements to its loan sizes, new products, and price cuts.
Loan sizes have been increased to £3m for 65% LTV and £5m by exception, £3m for 70% LTV, £2m for 75% LTV, and £750k for 80% LTV. The increased loan limits apply to standard properties, not HMOs/MUBs or short term lets which remain at £1m up to 75% LTV.
Alongside the loan size enhancements, Foundation has introduced new 80% LTV buy to let Special options, broadening its support for landlords who are looking to maximise leverage or require higher gearing for investment purposes. At this new tier, loan sizes are available up to £750k, with HMOs and MUFBs also now eligible.
The Specials buy to let range now includes:
- F1 two-year fixes from 3.89% (65% LTV), with new options at both 70% and 80% LTV, and a 4% fee.
- New F1 five-year fixes from 4.74%, with a 6% fee for 65/70/75% LTV, and a 4% fee for 80% LTV.
- F2 HMO two-year fixed-rates cut by 10 basis points (bps), starting from 4.44%, and now available up to 80% LTV at 4.84%.
- F2 MUFB five-year fixes available from 5.39%, newly available up to 80% LTV at 5.79%.
All Specials products are available for both individual and limited company applicants, supporting a wide range of landlord strategies and ownership structures.
Foundation said these changes underline its focus on being the lender of choice for brokers handling large or more complex buy to let cases. By combining higher loan limits, an expanded LTV range and sharper pricing, the lender said it is equipping intermediaries with even more tools to help professional landlords achieve their growth ambitions.
Tom Jacob, Director of Product and Marketing at Foundation Home Loans, said:
“These enhancements demonstrate our clear commitment to supporting brokers and their clients with larger, more complex buy to let requirements. By offering loans up to £3m – and £5m 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.
“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 makes 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.”
For more information on Foundation Home Loans, please visit: www.foundationforintermediaries.co.uk
