Foundation, the intermediary-only specialist lender, has today (8th July 2026) launched a major refresh of its buy-to-let mortgage range, including rate reductions of up to 0.25% across a wide range of products. The changes form one of the lender’s most significant buy-to-let updates this year and are designed to strengthen its proposition for landlords operating across both mainstream and specialist sectors.
The refresh delivers enhanced pricing across much of Foundation’s buy-to-let range, alongside improvements to lending criteria intended to provide brokers with greater flexibility when supporting landlord clients. The lender said the changes underline its commitment to offering competitive specialist solutions for a broad spectrum of borrower circumstances, property types and portfolio requirements.
Among the changes today are:
- Selected F1 Buy to Let standard products reduced by up to 0.25% including ERC3 and Remortgage only options
- Majority of standard HMO rates reduced by up to 0.25%
- All MUFB rates reduced by up to 0.25%
- All Short term and Holiday Let rates reduced by up to 0.20%
- Majority of Expat rates reduced by up to 0.20%
- All Property Plus rates reduced by 0.10%
In addition to these rate reductions, Foundation has reduced its minimum Buy to Let property value to £70,000. For properties valued between £70,000 and £75,000, the maximum available LTV is 75%.
The lender said the rate reductions and criteria enhancements reinforce its commitment to supporting a broad range of landlord circumstances, property types and borrower profiles, while ensuring brokers have access to a wider selection of competitive specialist lending solutions.
“This significant buy-to-let refresh reflects our determination to provide brokers with both greater choice and stronger pricing across a wide range of landlord scenarios. We have reduced rates across almost the entire Buy to Let range. Combined with reducing our minimum Buy to Let property value to £70,000, these changes provide brokers with more ways to support their landlord clients. Several products now sit in highly competitive positions within the market, including products that are at or near the top of the sourcing tables in their respective categories. As a specialist lender, our focus remains on responding quickly to market opportunities and ensuring advisers have access to solutions that meet the diverse needs of today’s landlords, whether they are purchasing, remortgaging, expanding portfolios or investing in more specialist property types.”
Grant Hendry, Director of Sales at Foundation
