Landbay, Foundation Home Loans, and HSBC unveil new and improved buy-to-let mortgage options, offering landlords greater flexibility and cost management amid a challenging market environment.
Three prominent lenders have recently introduced new and improved buy-to-let (BTL) mortgage products, aiming to alleviate affordability pressures for landlords and offer brokers enhanced solutions in a challenging market.
Landbay has expanded its Premier range with two new like-for-like remortgage options tailored to help landlords manage costs while maintaining flexibility. The two-year fixed-rate remortgage is competitively priced at 4.49%, up to 75% loan-to-value (LTV), with a 2% fee. Additionally, there is a product transfer version exclusively for existing borrowers approaching reversion, set at 4.54% with the same fee and LTV. These products cater for loan sizes from £30,000 up to £2 million, accommodating a wide array of portfolio sizes. Stress testing for affordability is conducted at either the pay rate or 4.50%, whichever is higher. According to Rob Stanton, Landbay’s sales and distribution director, these offerings provide landlords essential breathing room when remortgaging and equip brokers with more effective tools amid ongoing market challenges. This Premier range is designed for landlords with up to 15 properties held in limited company special purpose vehicles (SPVs), combining competitive rates with flexible lending criteria.
Foundation Home Loans has also enacted rate reductions, particularly across its holiday let products which have proven resilient despite wider economic pressures. The lender has cut rates by 0.10% on both its two- and five-year fixed-rate core holiday let options, now starting from 6.24% at 75% LTV for a five-year fix and 6.54% for a two-year fix. The limited-edition five-year holiday let product has similarly dropped to 5.99%, now featuring a flat fee of £7,995 rather than a 2.5% fee, and is targeted at higher-value loans with a minimum of £250,000. The lender’s director of product, Tom Jacobs, highlighted that strong demand from domestic and international visitors continues to support occupancy rates and yields in the holiday let market. Furthermore, Foundation Home Loans incorporates verified holiday rental income into their affordability assessments, providing landlords with a strategic advantage in this niche sector. Beyond holiday lets, Foundation has recently introduced cuts to its five-year buy-to-let products for both limited company and individual landlords, with rates reduced on popular products up to 75% LTV, thereby benefiting landlords seeking to remortgage or expand portfolios.
HSBC has introduced a notable two-year fixed rate product aimed at second-time buy-to-let purchasers, priced at 4.34% up to 60% LTV. This product is particularly attractive as it carries no product fee, includes a free valuation, and offers flexible overpayment options. Moneyfactscompare.co.uk awarded this deal an ‘Excellent’ rating, a testament to its competitive positioning in the current market. Adam French, head of news at Moneyfactscompare.co.uk, commented on HSBC’s broad range adjustments this week, noting the flexibility and cost savings available to landlords on this offering.
These developments from Landbay, Foundation Home Loans, and HSBC emerge at a time when the buy-to-let market faces affordability challenges and increasing operational pressures. The new products and rate adjustments aim to provide landlords with greater certainty and improved cost management options, while also supporting brokers with more diversified mortgage tools. Such initiatives are essential in sustaining momentum in the buy-to-let sector, particularly as landlords navigate fluctuating interest rates and regulatory environments.
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Source: Noah Wire Services
Noah Fact Check Pro
The draft above was created using the information available at the time the story first
emerged. We’ve since applied our fact-checking process to the final narrative, based on the criteria listed
below. The results are intended to help you assess the credibility of the piece and highlight any areas that may
warrant further investigation.
Freshness check
Score:
8
Notes:
The narrative was published on 17th October 2025. Similar content appeared on 17th October 2024, indicating a potential annual cycle of product updates. ([business-money.com](https://www.business-money.com/announcements/landbay-cuts-fixed-rate-buy-to-let-products/?utm_source=openai))
Quotes check
Score:
9
Notes:
Direct quotes from Rob Stanton and Tom Jacobs are consistent with previous statements, suggesting potential reuse. ([business-money.com](https://www.business-money.com/announcements/landbay-cuts-fixed-rate-buy-to-let-products/?utm_source=openai))
Source reliability
Score:
7
Notes:
The narrative originates from Property118, a niche property news platform. While it provides detailed information, its credibility is less established compared to major news outlets.
Plausability check
Score:
8
Notes:
The claims about rate reductions and product introductions align with known industry trends. However, the lack of coverage by major news outlets raises questions about the exclusivity and verification of the information.
Overall assessment
Verdict (FAIL, OPEN, PASS): OPEN
Confidence (LOW, MEDIUM, HIGH): MEDIUM
Summary:
The narrative presents plausible information consistent with industry trends but lacks coverage by major news outlets, raising questions about its verification and potential exclusivity. The reuse of quotes suggests possible recycled content, and the niche source’s credibility is less established.
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