Foundation Home Loans has announced a series of updates across its Residential product range, including selected rate reductions of up to 20 basis points (bps) and the introduction of eight new products designed to provide brokers with greater flexibility across a wider range of LTV options.
Following a period of improving market conditions and reduced swap rates. Foundation Home Loans said the refreshed range would ensure brokers continue to have access to strong, well-priced options that meet the needs of their specialist residential mortgage clients.
Included in this product refresh is an enhancement of Foundation Home Loans’ Green Residential mortgage proposition - available on properties which have an A-C Energy Performance Certificate (EPC) rating.
The Green range will now offer a £500 cashback on completion, replacing the previous free valuation, while also being made available across all Foundation Home Loans’ credit tiers (F1 to F4) for the first time.
The lender said this was a major expansion of its Green mortgage strategy, extending support for energy-efficient homes to a broader spectrum of borrowers, including those with less-than-perfect credit histories.
The wider Residential range also benefits from selected rate reductions across F1–F4 Core, Remortgage, EPC Saver, Joint Borrower Sole Proprietor (JBSP), Professionals and Key Worker products, ensuring greater choice and competitive pricing for brokers seeking bespoke solutions.
Product highlights of the Residential range now include:
- F1 - for borrowers who just miss out on the mainstream - remortgage products reduced by up to 0.15%, with rates now starting from 5.49% and a £595 fee.
- Selected F1 core five-year fixed-rate products reduced by up to 0.10% at higher LTVs (from 80%), with a £995 fee.
- New F1 and F2 (F2 for borrowers with recent credit blips) -- Green products introduced, including a new F1 65% LTV two-year fix at 5.29% and a 75% LTV five-year fix at 5.59%, each with a £595 fee and £500 cashback.
- New F3 - for borrowers who have experienced credit problems in the last 12 months - and F4 - for borrowers with no significant adverse credit problems in the last 6 months - Green products introduced at 75% LTV for two- and five-year fixes, with rates starting from 5.89% and 6.19% respectively, both with a £595 fee and £500 cashback.
- F1 EPC Saver products reduced by up to 0.20%, with rates now from 5.64%, a £995 fee and £1,000 cashback.
- F1 and F2 JBSP products reduced by up to 0.15%, now from 5.84% with a £995 fee.
- F3 and F4 products reduced by up to 0.20%, with rates starting from 5.84% and 6.14% respectively.
Tom Jacob, Director of Product at Foundation Home Loans, said:
“With swaps easing recently, we’ve taken the opportunity to strengthen our Residential proposition and deliver a range that remains competitive across every customer type. These changes reflect both a desire to support brokers through the remainder of the year and a recognition of how the market is evolving, with growing demand for products that can adapt to more diverse borrower circumstances. By expanding choice and improving rates across multiple residential credit tiers, we’re helping brokers deliver more solutions that meet the reality of today’s borrowing landscape.
“The extension of our Green range to cover all credit tiers is a key milestone for Foundation Home Loans. It underlines our commitment to supporting environmentally-conscious lending while ensuring it remains inclusive and accessible to residential borrowers at every level. We know brokers are looking for options that combine competitive pricing with long-term value, and this refresh reinforces our focus on delivering precisely that - a sustainable, specialist, and consistent offering across the residential market.”
