Foundation launches new Limited Edition residential remortgage products and cuts rates

16 April 2026

Foundation, the intermediary-only specialist lender, has today (16th April 2026) announced the launch of new Limited Edition residential remortgage products and rate cuts across a large number of its residential and buy to let mortgages.

The lender has introduced new F1 - for borrowers just outside the mainstream or requiring a more flexible approach - Limited Edition residential, remortgage-only products at 65% LTV, available on both a two- and five-year fixed-rate basis.

The two-year fix is priced at 6.09%, while the five-year is 6.24%. Both products come with a £595 fee, a free standard valuation and no application fee, which Foundation said offered a clear and competitive option for specialist residential remortgage customers.

The Limited Edition products are structured to reduce upfront costs and streamline the process for borrowers, while still offering competitive fixed rates.

Alongside the launch, Foundation has made selected rate reductions across its wider residential range of 20 basis points (bps), covering fixed-rates for purchasers or remortgages, as well as remortgage-only deals with either cashback or fee-assisted legals, plus Foundation’s Key Worker, EPC Saver, and Joint Borrower Sole Proprietor product options.

Foundation said the new residential products and rate cuts strengthened its position in the specialist lending space and offered deals which would allow borrowers to meet affordability.

Foundation has also reduced pricing across almost all of its buy to let range by up to 25 bps, with pricing now starting at 5.14%, ensuring specialist landlord borrowers can access more competitive rates across a broader set of product options.

Pricing has been cut across a number of F1, F2 and F3 buy to let products, covering Standard, HMO, Large HMO, MUFB, Short-term Let, Holiday Let, Expats and Property Plus.

The lender said the buy to let changes reflected a consistent approach to pricing, with Foundation focused on providing certainty and value for brokers and their clients, whether they’re placing standard cases or more complex specialist business.

Foundation said it had positioned these changes as part of its ongoing focus on the specialist market, where flexibility, clarity and consistency remain critical for brokers.

Grant Hendry, Director of Sales at Foundation, commented:

“We’ve moved quickly to reflect the recent improvement in market conditions, reducing almost all our rates within both our residential and buy to let product ranges to ensure brokers and their clients can access strong and competitive pricing.

“The launch of our Limited Edition residential remortgage-only products is particularly important. These offer a simple, excellent value solution with low upfront costs, which we know is a key priority for many borrowers at the moment.

“At the same time, the wider reductions of up to 25 basis points across buy to let and up to 20 basis points across residential mean advisers have a strong set of options across the board, whether they’re working on straightforward cases or more complex specialist scenarios.

“As a specialist lender, our focus remains on providing clarity, consistency and products that work in the real world, and this latest set of changes reflects that.”

Learn more: www.foundationlending.co.uk