85% LTV Buy-to-Let F1 product for Landlords: Foundation Home Loans
by Howard
If you’ve been keeping an eye on the buy-to-let mortgage market, you’ll know that products allowing you to borrow at 85% loan-to-value (LTV) are very rare nowadays. Well, things have just got interesting.
Foundation Home Loans, a specialist buy-to-let lender, has launched a new F1 product that pushes right into that 85% LTV territory, giving landlords the chance to invest with a smaller deposit and keep more capital free for other opportunities.
The Key Details for Landlords;
LTV: Up to 85%
Rate: Five-year fixed at 6.49%
Fees: £0 product fee
Loan Size: Minimum £100,000
Income: No minimum income requirement
Speed: Same-day Decision in Principle (DIP) turnaround
Why This Matters
Traditionally, most buy-to-let lenders have capped LTVs at around 75% to 80%. This often means landlords have to stump up a hefty deposit, tying up funds that could be used elsewhere in their property business.
With 85% LTV, you could:
Enter the market sooner as a first-time landlord
Release more equity from an existing property to reinvest
Grow your portfolio faster without draining your reserves
It’s not just for newcomers either — seasoned landlords might see this as a chance to leverage existing assets for expansion while keeping more cash in hand.
Foundation’s Pitch; Tom Jacob, Foundation’s Director of Product and Marketing, says this is a “significant step” for both the company and the buy-to-let sector: “Extending our core buy-to-let offering into the 85% LTV band provides landlords and intermediaries with a compelling, low-deposit route to funding in a market where affordability can often be a barrier.”
The Bottom Line for Landlords
In today’s market, speed and flexibility matter. A fee-free structure, high leverage, and quick processing could make this an attractive option, especially if you’re looking to snap up a property quickly or free up capital for renovations, diversification, or other investments.
As always, higher LTV means higher risk and typically higher interest rates, so it’s worth crunching the numbers to ensure the rent stacks up against the mortgage costs.
For help with this product or any type of property finance, please use the contact form below, and we will be happy to assist.