Foundation Home Loans launches new buy to let Limited Edition five-year fix and cuts rates on its two-year fix for landlord borrowers

03 December 2025

Foundation Home Loans, the intermediary-only specialist lender, has launched a new F1 buy to let Limited Edition five-year, fixed-rate product for portfolio landlords, and reduced the rate on its existing two-year, fixed rate Limited Edition.

Both aimed at supporting brokers working with landlord borrowers in anticipation of a post-Budget pick-up in activity, Foundation’s new F1 - for clients with an almost clean credit history - 75% LTV Limited Edition five-year, fixed-rate product is available at 5.24%, with a 1.75% fee, plus a free standard valuation and no application fee. This product is available to portfolio landlords only.

The lender has also cut the rate on its current 75% LTV Limited Edition two-year, fixed rate buy to let product, reducing it by 25 basis points to 4.99%. This product comes with a £2,995 fee and has a minimum loan size of £200k.

Foundation said the new product and rate cut was designed to help stimulate brokers’ end-of-year landlord borrower business volumes and support their clients who had potentially delayed decisions ahead of the Budget.

With the main tax measures, that will affect individual landlords, not due to take effect for at least 18 months, Foundation said it expects many borrowers to push ahead with plans they had placed on hold.

Tom Jacob, Director of Product at Foundation Home Loans, said:

“Many landlords have spent the last few weeks waiting to see what the Budget would bring. Now that we have more clarity, the changes that could affect them are still some way off, and we expect a number of brokers to see renewed interest from clients who had paused decisions.

“By cutting the rate on our F1 Limited Edition two-year fixed, we are giving brokers a sharper option for larger loans, with a simple flat fee and a competitive rate. Alongside this, our new F1 Limited Edition five-year fixed is aimed squarely at portfolio landlords who are focused on growing and reshaping their holdings, helped by the combination of a competitive rate, percentage fee, free standard valuation and no application fee.

“We know brokers want lenders who stand with them during all market periods. These changes show our ambition to support both brokers and their landlord clients with clear options, steady service and products that work for the type of cases they are placing. Our teams remain on hand to help with case queries, product selection and any support advisers need as activity builds again.”

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