Foundation Home Loans reduces holiday let rates to further enhance specialist buy to let offering

16 October 2025

Foundation Home Loans, the intermediary-only specialist lender, has announced rate reductions across its core and limited edition holiday let product ranges, further strengthening its proposition in a sector that continues to demonstrate resilience and long-term growth potential.

Effective immediately, the specialist lender has reduced its two- and five-year fixed rate core holiday let products by 0.10%. Pricing now starts from 6.24% up to 75% LTV for a five-year fix and 6.54% up to 75% LTV for a two-year fix.

In addition, Foundation Home Loans’ limited edition five-year fixed rate holiday let product has also seen a 0.10% cut, now starting from 5.99% up to 75% LTV, and features a revised fee structure - from 2.5% to a flat fee of £7,995 - with a minimum loan size of £250,000. These changes are designed to appeal to brokers working with landlords operating in higher-value markets, where larger loan sizes are more common.

These updates further strengthen Foundation Home Loans’ commitment to supporting the specialist property sector, particularly within the growing short-stay market. Foundation Home Loans’ holiday let proposition is available to individual and limited company landlords, and allows the use of verified holiday rental income in affordability assessments which remains a key differentiator in this market.

Foundation Home Loans’ criteria also accommodates a broad range of borrower types, including portfolio landlords, first-time landlords, and those financing complex or higher-value properties. Its manual underwriting approach, supported by expert case assessment, enables brokers to access consistent, common-sense decisions across a wide spectrum of buy to let scenarios.

Tom Jacobs, Director of Product at Foundation Home Loans, commented:

“The holiday let market has proven remarkably resilient, with sustained demand from both domestic and overseas visitors driving strong occupancy levels and competitive yields. By refining our pricing and fee structure, particularly on larger loan sizes, we’re making our products even more accessible and attractive to landlords and intermediaries operating in this space.

“Our goal is to ensure advisers have the right tools to help clients capitalise on opportunities in what remains one of the most dynamic areas of the buy to let market. These latest enhancements reaffirm our ongoing commitment to supporting brokers and landlords with competitive, flexible, and transparent specialist lending solutions.”

For more information on Foundation Home Loans, please visit: www.foundationforintermediaries.co.uk