Foundation Home Loans enters 85% LTV buy-to-let arena
Foundation Home Loans, the intermediary-only specialist lender, has unveiled a significant enhancement to its core buy-to-let range with the launch of a new product in the rarely occupied 85% LTV space.
Available to both individuals and limited companies, the specialist lender’s F1 buy-to-let product offers a five-year fixed rate of 6.49%, a minimum loan size of £100,000, no product fee and is available up to 85% loan-to-value. There is no minimum income requirement, and brokers will continue to benefit from Foundation’s same-day DIP turnaround times.
By combining high LTV lending with zero product fees, the product is designed to appeal to a wide range of borrowers, from first-time landlords to seasoned investors seeking to release equity or expand their portfolios.
This launch positions Foundation Home Loans as one of only two lenders currently active at this LTV level in the buy-to-let market. It complements the lender’s broader BTL offering and reinforces its reputation as a responsive, innovation-driven lender focused on delivering practical, real-world solutions for landlords.
Tom Jacob, director of product and marketing at Foundation Home Loans, commented: “Extending our core buy-to-let offering into the 85% LTV band represents a significant step for the business and a big moment in BTL lending. It provides landlords and our intermediary partners with a compelling, low-deposit route to access funding in a market where affordability can often be a barrier – particularly for those looking to maximise leverage or reduce upfront costs.
“Whether it’s a client’s first rental property or an addition to an existing portfolio, this product opens up new borrowing opportunities with the reassurance of a competitive, fee-free rate and our trademark fast turnaround times. We expect it to be an extremely popular option.”