Foundation Home Loans has announced a series of updates across its residential product range, including selected rate reductions of up to 0.20% and the introduction of eight new products designed across a range of LTV options.
Included in the product refresh is an enhancement of Foundation’s green residential mortgage proposition - available on properties which have an A-C Energy Performance Certificate (EPC) rating.
The green range will now offer £500 cashback on completion, replacing the previous free valuation, while also being made available across all Foundation's credit tiers (F1 to F4) for the first time.
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.
F1 remortgage products have reduced by up to 0.15%, with rates now starting from 5.49% with a £595 fee.
Selected F1 core five-year fixed rates are down by up to 0.10% at higher LTVs (from 80%) with a £995 fee.
New F1 and F2 green products have 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 and F4 green products have launched at 75% LTV, with two and five-year fixes starting from 5.89% and 6.19% respectively.
F1 EPC saver products have decreased by up to 0.20%, with rates now from 5.64%.
F1 and F2 JBSP products have reduced by up to 0.15%, now from 5.84%, with F3 and F4 products reduced by up to 0.20%, starting from 5.84%.
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.”
