Foundation Updates
Built for every landlord: A closer look at our broad buy to let range
At Foundation Home Loans, we know that no two landlords are the same. From first-time investors to experienced portfolio landlords, from those living overseas to those focused on greener, more efficient homes — we know that every client has their own challenges, ambitions, and opportunities. That’s why we’ve built one of the broadest and most flexible buy to let ranges in the market, designed to give brokers the confidence to place even the trickiest of cases with us.
Remortgage-only products: simpler solutions when clients need them most
For many landlords, the priority isn’t expansion, the priority is simply keeping their finances in order. That often means remortgaging quickly and without unnecessary complexity.
According to our Q2 2025 Pegasus Landlord Trends Report, 40% of the landlords that took part in the survey are intending to remortgage in the next year. Those looking to either remortgage or make a product transfer, will refinance an average of 2.4 buy to let loans each. Portfolio borrowers with over 4+ buy to let mortgages are more likely to be active in the next year, with 53% anticipating some form of refinancing.
That’s why we’ve introduced our remortgage-only products, designed specifically for refinancing cases. These products include £4£ remortgages, where landlords can remortgage to the same loan size with no affordability test, and early remortgage options, which allow clients to refinance inside six months of ownership. These are backed by free standard valuations, no application fees on selected ranges, and competitive fixed rates.
For brokers, this creates a clear and simple proposition. Instead of trying to fit straightforward remortgage cases into broader product ranges, you can now offer clients a solution that was created just for them. It makes conversations faster, gives certainty on costs, and helps move cases to completion more smoothly.
We know how important speed is in today’s market, especially with rates and costs moving quickly. By removing unnecessary complexity, our remortgage-only range allows you to deliver the value your clients need, when they need it most.
HMOs: from small to large and complex
Landlords increasingly rely on HMOs to maximise yields, but arranging finance on these properties can often be complicated.
That’s why HMO lending is one of our core strengths. Whether it’s a standard HMO with up to six bedrooms (up to 75% LTV), a large HMO with 10 to 15 bedrooms (up to 65% LTV), or something more complex such as multi-unit lets above shops, our product set gives brokers the flexibility to place cases others might not. Every HMO case is individually underwritten, with fair ICR calculations and criteria that work for individual and limited company borrowers, including portfolio and non-portfolio landlords. and individual landlords. Minimum valuations are set fairly, with £200,000 on large HMOs, and our rental cover requirements are clear: 125% at pay rate for basic rate taxpayers, 145% for higher rate.
From student lets to multi-kitchen properties, our HMO expertise means brokers can place both straightforward and specialist cases with confidence.
Green mortgages: helping landlords future-proof
Landlords are under growing pressure to improve the energy efficiency of their properties — and for brokers, this is fast becoming one of the biggest challenges in placing cases.
Our green range is designed to support that transition, with rate reductions across standard buy to lets and HMOs, plus cashback incentives to help landlords invest in improvements. Available where the property has an EPC rating of A to C, these products are offered to individuals, SPVs and limited companies, with up to 75% LTV. And the need for these products is clear. According to our Q2 2025 Pegasus Landlord Trends Report, six in ten landlords currently own at least one property with an EPC rating of D or below. On average, 42% of portfolios don’t yet meet an EPC C standard — a figure that rises to nearly 80% among larger landlords with 11 or more properties. By introducing your clients to greener products today, you can help them stay ahead of regulation while also benefiting from higher tenant demand and stronger rental yields.
Expat mortgages: flexibility for landlords abroad
Expat landlords face unique hurdles when it comes to accessing finance, from multiple income streams to overseas documentation.
Our expat specials are built to overcome those challenges, giving brokers the tools to support landlords abroad who want to invest in UK property. With rates starting from as low as 4.19% on selected 2-year fixed products and up to 75% LTV, these products combine competitive pricing with flexible underwriting. Whether your clients are remortgaging existing properties or expanding their UK portfolio, our expat range makes it easier to support them from abroad.
We understand that expat cases can be complex, which is why our underwriting is always manual and case-by-case, ensuring your expat clients get the same fair, expert consideration as every other landlord.
Multi-unit freehold blocks (MUFBs): expanding broker opportunities
Brokers know that landlords are increasingly looking to diversify and scale up, but financing larger, more complex properties like MUFBs can often be a stumbling block.
At Foundation, our MUFB range is built to make these deals as accessible as possible. We’ll lend on blocks of flats with up to 10 units at 75% LTV, and we’ll consider both portfolio and non-portfolio landlords as well as SPVs and limited companies. Properties need a minimum valuation of £200,000, and we apply the same fair, consistent ICR requirements as across our range.
We also keep our underwriting flexible, assessing every MUFB case individually. Whether it’s a block of flats, a mixed-use property, or a more specialist configuration, we’ll work with you to find the right solution for your client. By combining competitive rates with practical and flexible criteria, our MUFB range helps brokers place larger, more complex cases confidently.
Why Foundation Home Loans?
What brings all of these products together is our approach. At Foundation Home Loans, we don’t just offer a wide range of buy to let products, we apply flexible criteria, manual underwriting, and a fair, consistent approach to ICR. That means we look at every case individually, giving brokers more scope to place deals that might be turned away elsewhere.
From remortgage-only to HMOs, from green to expat, from MUFBs to specialist cases, our buy to let range is designed to help you support every type of landlord client.
Speak to us today about your next buy to let case, and together we can build stronger portfolios for your clients.
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