Mortgage Rates

Foundation Home Loans Mortgage Rates - October 2026

Current Foundation Home Loans residential, buy-to-let and product transfer rates, reviewed monthly. Compare against the whole market through DBF - whole-of-market broker, FCA 814533.

Next review: November 2026

Rates updated October 2026

Why use Doulton

Two reasons to use DBF for your Foundation Home Loans mortgage

DBF Product Transfer System

If you decide to stay with Foundation Home Loans at renewal, we process your product transfer through our dedicated system - faster than applying direct in many cases, with all paperwork handled on your behalf.

Cashback on like-for-like deals

Eligible clients who stay with their existing lender on a like-for-like product transfer can receive cashback - an incentive not available when applying direct. Ask us about eligibility.

We compare the whole market first - and if Foundation Home Loans is still the best option, we make the process faster and more rewarding. Get a free comparison or call 0204 6211776.

Whole-of-market mortgage comparison
No upfront fees on advice
Product transfer system for faster renewals
Cashback available on eligible like-for-like deals
FCA authorised 814533

Residential Mortgage Rates

Illustrative rates - reviewed October 2026. Subject to change. For accuracy, get a personalised quote.
Product	60% LTV	75% LTV	85% LTV
2-Year Fixed	4.79%	5.09%	5.49%
5-Year Fixed	4.69%Best	4.99%	5.39%
2-Year Tracker	6.09%	–%	–%
Standard Variable Rate (SVR)	8.74%

Buy-to-Let Mortgage Rates

Buy-to-let illustrative rates - October 2026. Subject to change.
Product	60% LTV	75% LTV
2-Year Fixed BTL	4.99%	5.29%
5-Year Fixed BTL	4.89%Best	5.19%

Product Transfer Rates

Product transfer rates are typically 0.1–0.2% below equivalent new deal rates. Cashback available on eligible like-for-like transfers through DBF.
Product Transfer Type	Indicative Rate	Cashback via DBF
2-Year Fixed Product Transfer	4.64%	Cashback available
5-Year Fixed Product Transfer	4.54%	Cashback available

About Foundation Home Loans

Foundation Home Loans is a specialist residential and buy-to-let lender designed for borrowers who fall outside mainstream criteria. Their product range includes near-prime residential products for applicants with light adverse credit, as well as a comprehensive buy-to-let range for limited company landlords, HMO operators and portfolio investors.

Foundation's strength lies in their flexible underwriting for applicants with minor credit issues, complex self-employed income or non-standard employment. Their residential products are tiered by credit profile, allowing more flexibility for those with older or less severe adverse events. On the BTL side, Foundation is a popular choice for limited company landlords and those with larger portfolios requiring specialist assessment.

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Get your Foundation Home Loans rate comparison

Tell us about your mortgage and we will compare Foundation Home Loans's current rates against the whole market - free, fast and with no obligation.

0204 6211776

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FAQs

Frequently asked questions

What is Foundation Home Loans's best mortgage rate in October 2026?

Foundation Home Loans' best rate in October 2026 is approximately 4.69% on a 5-year fixed at 60% LTV for near-prime residential borrowers. Rates vary based on credit profile tier.

Can I get cashback on a Foundation Home Loans product transfer?

Yes - through Doulton Bridging Finance. Eligible clients renewing with Foundation Home Loans on a like-for-like product transfer can receive cashback when processed via DBF. This is not available when applying direct to Foundation Home Loans.

Is it faster to renew my Foundation Home Loans mortgage through a broker?

DBF's product transfer system can process Foundation Home Loans renewals faster than applying direct in many cases. We handle all paperwork and submission on your behalf and compare the whole market first to confirm Foundation Home Loans remains competitive.

What is Foundation Home Loans's SVR in October 2026?

Foundation Home Loans' Standard Variable Rate in October 2026 is approximately 8.74%. Customers who don't act when their fixed term ends revert to this rate. Contact DBF before your deal expires to compare alternatives.

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