Foundation Home Loans launches 85% LTV buy-to-let product

Foundation Home Loans has enhanced its core buy-to-let range with the launch of a new product in the 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% LTV. 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. 

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 buy-to-let 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.”