News in brief - 16 October 2025

Foundation Home Loans has reduced rates across its holiday let range. The specialist lender has lowered its two- and five-year fixed core holiday let products by 0.10%, with pricing starting at 6.24% and 6.54% respectively at 75% LTV. In addition, Foundation’s limited edition five-year fix now starts from 5.99% at 75% LTV. It comes with a revised fee structure, from 2.5% to a flat fee of £7,995 with a minimum loan size of £250,000. The lender said that the changes are designed to appeal to brokers working with landlords operating in higher-value markets.

Landbay has launched two new premier like-for-like products. The buy-to-let lender has introduced a two-year premier remortgage product at 4.49% at up to 75% LTV with a 2% fee. Furthermore, Landbay has introduced a product transfer version at 4.54% for a two-year fix at up to 75% LTV with a 2% fee. The minimum and maximum loan sizes for both products are £30,000 and £2m respectively.

Zephyr Homeloans has extended its mortgage product range to include HMO and MUFBs of up to 12 bedrooms. The lender previously covered HMOs and MUFBs of up to six bedrooms. As a result, Zephyr is offering rates of 3.14% on a two-year fix, while its five-year product is available at 5.04%, both at up to 75% LTV with a 7% fee. Furthermore, it is also offering a lifetime tracker at 6.29% at 75% LTV with a 3% fee.



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