Foundation Home Loans Launches Green ABC+ Mortgage Range
Intermediary-only specialist lender Foundation Home Loans has unveiled its new ‘Green ABC+’ fixed-rate mortgage products. These are designed for both buy-to-let landlords and owner-occupiers and are exclusively available through intermediaries.
For buy-to-let landlords, a range of five-year fixed-rate options is now available. Rates begin at 3.14% and are available up to 75% Loan-to-Value (LTV). These products feature a reduced product fee of just 0.5%, making them cost-effective for borrowers. Cashback incentives between £250 and £750 are also provided based on the property’s Energy Performance Certificate (EPC) rating. Borrowers may remortgage early without restrictions, and these options cater to individual landlords, limited companies, and both portfolio and non-portfolio landlords.
For owner-occupiers, two-year fixed-rate options are available, starting at 3.04%. These products are offered at both 75% and 85% LTV and include a competitive £595 product fee. Borrowers completing their transactions can receive cashback ranging from £250 to £750, determined by the EPC rating of their property. These mortgages are structured for capital and interest repayments, ensuring a straightforward repayment plan.
Foundation Home Loans has emphasised its commitment to supporting energy efficiency through these new products. The lender aims to meet the increasing demand for environmentally conscious mortgages while encouraging borrowers to enhance their properties’ energy performance. These products reward energy efficiency and promote sustainable living for both landlords and homeowners.
The Green ABC+ range reflects the growing importance of sustainability in the UK mortgage market. By offering competitive rates, cashback incentives, and flexible terms, the lender ensures that borrowers can make greener choices without compromising affordability.
Specialist Lender Foundation Home Loans
George Gee, Commercial Director at Foundation Home Loans, highlighted the lender’s focus on encouraging energy-efficient property choices. He explained, “We aim to reward homeowners and investors who choose energy-efficient properties or improve existing ones.”
The UK housing market is increasingly influenced by the Government’s green agenda, with energy efficiency playing a crucial role. Foundation Home Loans is among the first specialist lenders to introduce ‘Green’ mortgage products. These innovative options cater to both landlords and owner-occupiers, providing cashback incentives to offset the cost of maintaining energy-efficient homes. Alongside these benefits, the range also offers competitive rates and reduced fees.
Although current regulations primarily impact private rental sector properties, there is a growing demand for ‘Green’ mortgages among owner-occupiers. Research indicates an increasing interest from both groups in environmentally-friendly housing. This trend reflects a broader push towards sustainable living and a more eco-conscious housing market in the UK.
Foundation Home Loans remains committed to expanding its product range to meet this demand. By doing so, the lender is helping to support the transition towards a greener property market while maintaining attractive financial options for borrowers.
Credits: Warren Lewis – Financial Reporter on our publication
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