Foundation Home Loans Launches Limited Edition Buy to Let Mortgages and Reduces Expat Rates

Fresh Opportunities for Buy to Let & Expat Borrowers

Foundation Home Loans 2025 has unveiled a suite of new limited edition mortgage products. These are targeted at the UK buy to let market. There are also notable rate reductions on their specialist expat products. Effective from 23rd September 2025, these offers provide expanded options for portfolio landlords, holiday let investors, and Houses in Multiple Occupation (HMO) owners. Additionally, British expatriates can secure property finance in England, Wales, and Scotland.

Limited Edition Mortgage Products: Key Rates & Features

• NEW F2 MUFB Limited Edition 2 Year Fixed: 5.74% fixed for two years, available up to 75% loan-to-value (LTV) with a £2,995 arrangement fee. Designed for Multi-Unit Freehold Blocks (MUFB), this product offers portfolio investors greater flexibility with competitive pricing.
• NEW F2 Holiday Let Limited Edition 5 Year Fixed: 6.09% fixed for five years, up to 75% LTV with a 2.50% fee. Suited for those investing in short-term rental properties and seeking stable payments over a longer term.
• NEW F2 HMO Specials 5 Year Fixed: Rates starting from 5.39% with a 3.00% fee, available up to 80% LTV. Tailored specifically for landlords operating HMOs, this offering combines higher leverage with stability over five years.

Comparative Insights

• The multi-unit and HMO rates are highly competitive in the specialist lending segment for higher-yield buy to let. Foundation Home Loans 2025 ensures these rates remain attractive.
• The holiday let product’s 5-year fixed rate allows enhanced affordability and portfolio planning, ideal for investors seeking predictable cash flow.
• Arrangement fees are at the higher end, so borrowers should carefully evaluate the total cost versus potential rental yields.

Expat Rate Reductions: More Attractive Finance for Overseas Borrowers

Foundation Home Loans has announced reductions of up to 0.2% on their expat mortgage products. These products are tailored for British citizens residing or working abroad. They cater to those who want to invest in or refinance UK rental properties. The rate reductions improve affordability. This enhances Foundation’s position as a leading expat mortgage provider for Foundation Home Loans 2025.

Who Benefits Most?

• Portfolio Landlords: Engaged in HMOs or MUFBs looking to expand or remortgage at competitive rates.
• Holiday Let Investors: Seeking long-term rate stability for short-term rental properties.
• British Expats: Wanting to enter or grow their presence in the UK property market now gain improved access and lower rates.

Special Promotions & Lending Features

• All new limited edition products are exclusive to Foundation Home Loans for a restricted period, subject to availability and application volumes.
• Lending is available in England, Wales, and Scotland—broadening property location options.
• Foundation is recognized for flexible underwriting and practical case-by-case assessment, supporting applicants with complex income streams or credit histories.

Why Choose Foundation Home Loans?

• Specialist Expertise: Deep experience in the buy to let, HMO, MUFB, and expat mortgage markets makes Foundation Home Loans 2025 a leading choice.
• Flexible Criteria: Favourable treatment for professional landlords, limited company buy to let, and borrowers with specialist property holdings.
• Responsive Service: Broker support and regional account management for tailored application guidance.

Conclusion: Take Advantage of New Lending Opportunities

If you’re a buy to let investor, HMO landlord, holiday let operator, or a British expat seeking UK mortgage finance, Foundation Home Loans offers some of the most flexible and competitive options in today’s market. To assess your eligibility, compare product costs, or get professional mortgage advice tailored to your portfolio or expatriate status, reach out to our expert team today.

Frequently Asked Questions

• Who qualifies for Foundation’s new MUFB, HMO, or holiday let mortgages? Landlords, including limited companies, with relevant property types and up to 80% LTV for HMOs. Applicants must meet Foundation’s credit and income criteria.
• What does the expat rate reduction mean for overseas buyers? Expat borrowers can now access UK mortgages at lower interest rates, improving affordability and cash flow for UK rental property investments.
• Are these products suitable for first-time landlords? These offers are best suited for experienced landlords, portfolio investors, and expats, due to the property types and higher fees.
• How do I apply for a Foundation Home Loans mortgage? Contact our mortgage advisors for a full eligibility check and guidance on submitting a compliant application tailored to your circumstances.
• What is MUFB and HMO in buy to let lending? MUFB stands for Multi-Unit Freehold Block—a single building split into several flats. HMO means House in Multiple Occupation—where several tenants share facilities related to Foundation Home Loans 2025.