Foundation Updates
Expanding our Residential lending capabilities
At Foundation Home Loans, we're always looking for ways to better serve your customers. That's why we're thrilled to share some changes we've made to our Residential lending products.

What's New?
Today, we’ve increased loan sizes across our F1 - F3 Residential tiers. This means we can now help even more people get the funding they need, especially those who might not fit the typical high-street lending criteria.
Here's a breakdown of the key changes:
For your F1 and F2 customers (those buying specialist properties or with a few credit hiccups):
- At 65% LTV, you can now borrow up to £3 million (previously £2 million). Rates from 6.14%
- At 75% LTV, you can now borrow up to £1.5 million (previously £1 million). Rates from 6.19%
- At 80% LTV, you can now borrow up to £1 million (previously £750,000). Rates from 6.29%
For your F3 customers (those with more recent credit challenges):
- At 65% LTV, you can now borrow up to £1 million (previously £500,000). Rates from 6.49%
- At 75% LTV, you can now borrow up to £750,000 (previously £500,000). Rates from 6.59%
We've also introduced some new Residential F1 products up to 65% LTV with competitive rates:
- Two-year fixed rates starting from 6.29%
- Five-year fixed rates starting from 6.14%
And finally, we've reduced our fee on the BTL F1 Limited Edition 2-year fixed mortgage:
- Product fee reduced from £2,495 to £1,495
- No application fee
- One free standard valuation included
Why These Changes Matter
We know that everyone's financial situation is unique. By expanding our lending options, we're opening doors for people who might have struggled to find the right mortgage before. Whether your customer is self-employed, has a complex income structure, or has had a few financial bumps along the way, we're here to help.
Tom Jacobs, Director of Products & Propositions at Foundation Home Loans, said:
“The needs of specialist Residential borrowers continue to grow and this demographic continues to develop with a strong requirement for improved criteria and greater product options.
“This is why Foundation is always seeking to develop our proposition in this space, this time with new products but also, very importantly, an increase in the maximum loan sizes for all our product tiers and across multiple LTV thresholds.
“We want to ensure specialist Residential clients can secure the level of loans they want and need, and as property values have begun to rise, albeit at relatively low levels, we must ensure our loan size criteria meets the changing shape of the UK property market.
“For advisers dealing with clients who either just miss out on the high-street, or have more complex and involved credit histories, Foundation has both the product choice and criteria required to make their property dreams a reality, either allowing them to get on the ladder for the first time, helping them move, or ensuring they have plentiful refinance options.
“If you’re an adviser already heavily involved here, or looking to help more of these clients, then please contact us to see how we can support you and your specialist Residential advice business.”
See the latest product guides here.
For intermediaries only