Foundation Home Loans Launches New Residential Products and Enhanced Rates for UK Borrowers

Introduction: Foundation Home Loans Unveils Major Residential Product Updates

Foundation Home Loans has announced a range of significant updates across its residential mortgage offering, effective July 2025.

With the introduction of 90% loan-to-value (LTV) options, sharper fixed rates, and tailored products for key workers and professionals, the lender is working to support a wider range of UK homeowners and property buyers. Read on for a comprehensive breakdown of these changes and what they mean for new and existing borrowers.

Latest Foundation Home Loans Mortgage Rates and Product Highlights

• New 90% LTV Residential Mortgages: Now available on 2- and 5-year fixed rates from 6.54% (with £995 arrangement fee). Designed for buyers with smaller deposits.
• F1 Range – Enhanced Rates:
  • Green ABC+ 2- and 5-year fixed rates now from 5.44% (£595 fee + free standard valuation).
  • Other 2- and 5-year fixed products starting from 5.39% (£995 fee).
• Key Worker & Professional:
  • Professionals 5-year fixed rates cut by up to 0.50%, now from 5.74% (£995 fee, £350 cashback).
  • Key worker 2- and 5-year rates also down up to 0.50%, from 5.59% (£595 fee, free valuation, no application fee).
  • New 5-year fixed for key workers at 75% LTV, now 5.64%.
• Other Specialist (F2–F4) Ranges:
  • Green ABC+ and standard products’ 2- and 5-year fixed rates reduced by 0.10% (from 5.74% and 5.79% respectively).
  • F3 rates down by up to 0.20% (now from 6.09%).
  • Selected F4 rates trimmed by up to 0.10% (from 6.39%).

Updated Lending Criteria & Policy: Who Benefits?

These updates directly benefit a range of borrower scenarios:

• First-time Buyers & Low-Deposit Applicants: The new 90% LTV options make homeownership more accessible for those with modest deposits seeking competitive fixed rates and flexible terms.
• Key Workers and Professionals: Reduced rates and cashback incentives provide tangible value for teachers, NHS staff, police and qualifying professionals, rewarding career stability and service with enhanced product terms.
• Existing Homeowners & Remortgagers: Lower rates across Green ABC+, F1, F2, F3, and F4 ranges present opportunities to save on monthly repayments or take advantage of more flexible, specialist underwriting for complex circumstances.

Special Promotions and Unique Features

• Green ABC+ Mortgages: Incentivised rates for eco-friendly or energy-efficient homes, helping borrowers save while encouraging sustainable home improvements.
• Fee Discounts & Free Valuations: Several products incorporate low or no application fees, free property valuations, and cashback on completion—offering immediate savings at application and completion stages.
• Cashback for Professionals: £350 cashback on certain professional-range products, rewarding qualifying careers.

Why Choose Foundation Home Loans?

• Specialist in Complex Lending: Accommodates those with unique income streams, credit histories, or property types compared to many high street banks.
• Competitive, Flexible Product Range: From eco-friendly mortgages to high LTV and discounted rates for key workers/professionals, Foundation addresses evolving market and borrower needs.
• Attractive Promotions: Fee-free deals, cashback, and free valuation options help reduce upfront costs.

Conclusion: Unlock Your Next Mortgage Solution

Foundation Home Loans’ expanded offerings present strong options for buyers, key workers, professionals, and those with complex circumstances. With competitive fixed rates, new high LTV choices, and appealing perks, there has rarely been a better time to discuss how these products could suit your property goals. For tailored guidance and access to the latest Foundation Home Loans deals, contact our expert mortgage advisors today.

FAQs: Foundation Home Loans Mortgage Updates

• Who qualifies for the new 90% LTV Foundation mortgages?
  Typically, applicants with good credit, stable income, and at least a 10% deposit. Some credit and affordability checks apply.
• How do the latest rate reductions affect my monthly payments?
  Lower fixed rates can mean reduced monthly repayments, potentially saving you money over the initial fixed term.
• What is the Green ABC+ mortgage?
  This is a preferential-rate product offered for energy-efficient or eco-friendly homes – check with your advisor if your property qualifies.
• How do I know if I qualify as a key worker or professional?
  Key workers include NHS, teachers, police, and similar roles; professionals often cover qualified accountants, doctors, solicitors, etc.
• How can I apply for a Foundation Home Loans mortgage?
  Speak to a mortgage broker or intermediary for personalised advice and eligibility checks, or enquire directly here.