Foundation Home Loans, the intermediary-only specialist lender, has today (Thursday 17 July 2025) announced a series of enhancements to its residential product range. This includes rate reductions of up to 50 basis points (bps) across its F1–F4 tiers, up to 15bps rate reductions on Green products, the launch of new 90% LTV fixed rates, and expanded options for key workers.
These enhancements reinforce Foundation’s dedication to delivering competitive and flexible mortgage solutions for underserved borrowing groups - from first-time buyers and key workers to professionals and those purchasing energy-efficient homes.
Key updates include:
New products
• F1 two- and five-year fixed rates at 90% LTV, now available from 6.54% with a £995 fee.
• F1 Key Worker five-year fixed rate available up to 75% LTV, offered at 5.64% with a £595 fee, free valuation, and no application fee.
Rate reductions
• F1 two- and five-year fixed rates reduced by 20bps, now starting from 5.39% with a £995 fee.
• F1 Green two- and five-year fixed rates cut by up to 15bps, now starting from 5.44% with a £595 fee and one free standard valuation.
- F1 Key Worker two- and five-year fixed rates cut by up to 50bps, with rates from 5.59% with a £595 fee, no application fee, and one free standard valuation.
- F1 Professionals five-year fixed rates reduced by up to 50bps, now from 5.74% with a £995 fee and a £350 cashback.
- F2 two- and five year fixed rates down 10bps, rates now starting from 5.79% with a £995 fee.
- F2 Green two- and five-year fixed rates reduced by 10bps, now available from 5.74% with a £595 fee and one free standard valuation.
- F3 two- and five-year fixed rates cut by up to 20bps, with rates now starting from 6.09% with a £995 fee.
- F4 selected two- and five year fixed rates reduced by up to 10bps, with rates now starting from 6.39% with a £995 fee.
Tom Jacob, Director of Product and Marketing at Foundation Home Loans, commented:
“These changes reflect our ongoing commitment to residential borrowers who don’t quite fit the mainstream mould and we remain focused on delivering a range of specialist solutions, backed by robust underwriting and consistently strong service levels.
“Our ultimate aim is to provide our intermediary partners with a more versatile product range that responds to ever-evolving client needs, and through the introduction of new high-LTV options, reduced rates, and expanded product options for key workers, we’re delivering greater choice where it’s needed most.”
