Foundation expands BTL lineup with three new products, enhanced criteria and reduced rates

23 October 2026

Foundation, the intermediary-only specialist lender, has expanded its buy-to-let product range with the launch of three brand-new products, alongside enhanced criteria and select rate reductions of up to 0.30%.

The lender has added further depth to its range with the introduction of a special F1 £4£ remortgage-only product. This two-year fixed rate option is available at 5.24% at 75% loan-to-value (LTV), with a 4% fee. The ICR for this product is 125% for all applicants and cases will be stressed at pay rate.

Meanwhile, the F1 Limited Edition remortgage-only two-year fixed rate product has been reduced by 30bps to a rate of 4.69% with a 4% fee. This is offered with a free standard valuation, no application fees and £250 cashback.

Also joining its offering is two new F2 two-year fixed rate MPOT (Multiple Properties on One Title) products, available at 65% and 75% LTV, with rates starting at 6.79%. Meanwhile five-year fixed rate options in this range have seen a reduction of 26bps at both 65% and 75% LTV, with rates starting at 7.09%.

These products are designed for landlords with up to four properties under a single freehold title, helping to avoid the cost and complexity of a title split.

Foundation has enhanced this range further by announcing updated criteria, increasing borrowing to up to 75% LTV on MPOTs including a holiday let property, and where all properties on one title are holiday lets then normal MPOT lending limits of £3m to 65% LTV and £2m to 75% LTV now apply.

The moves strengthen Foundation’s competitive buy-to-let offering, increasing access and choice for a broad range of property investors.

Product highlights include:

NEW Special F1 £4£ Remortgage Only two-year fixed product with at 5.24% with a 4% fee.
NEW F2 2-year fixed MPOT products at 65% LTV and 75% LTV, with rates of 6.79% and 6.99% respectively and both with a 2.50% fee.
F2 MPOT 5-year fixed products reduced by 26bps at 65% and 75% LTV, to rates of 7.09% and 7.29% respectively, the fee is also 2.50%
The fee assisted F1 Limited Edition remortgage only 2-year fixed product reduced by 30bps to a rate of 4.69% with a fee of 4%

Grant Hendry, Director of Sales at Foundation, said:

“Following some stabilisation in swap rates, we have been able to push forward with a significant update across our BTL offering. Whether it’s brand new products, sizeable rate reductions or effective changes to criteria, we have been able to enhance the competitiveness, flexibility and overall appeal of our proposition – particularly a key product line such as our MPOT offering.

“Not only is this great news for landlords and property investors of all shapes and sizes, but it’s a real win for the advisers supporting them. It’s further proof of our commitment to stay agile and to innovate, all while staying close to the market to identify opportunities for improvement as soon as they present themselves. Alongside expert service, flexibility and manual underwriting, this is what is expected of specialist lenders in today’s fast-paced and highly-competitive market.”

Learn more: www.foundationlending.co.uk