Foundation Home Loans, an intermediary-only specialist lender, has launched its new Green ABC+ fixed-rate mortgage range, tailored for both buy-to-let landlords and owner-occupiers seeking energy-efficient, cost-effective financing. These products are exclusively available through mortgage intermediaries.
Green ABC+ for Buy-to-Let Landlords
For landlords, the lender is offering a variety of five-year fixed-rate buy-to-let mortgages, with rates starting from 3.14% up to 75% Loan-to-Value (LTV). A key highlight is the reduced 0.5% product fee, which helps keep upfront costs manageable.
Additional benefits include:
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Cashback incentives between £250 and £750, depending on the property’s EPC rating
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Early remortgage flexibility without penalties
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Availability to individual landlords, limited companies, and both portfolio and non-portfolio landlords
These features make the Green ABC+ range an attractive option for landlords looking to align with evolving energy performance expectations while accessing competitive borrowing terms.
To explore structuring your next investment through a company setup, see our Buy-to-Let Through Limited Company guide.
Green ABC+ for Owner-Occupiers
For residential buyers, Foundation is offering two-year fixed-rate mortgages from 3.04%, with options available at both 75% and 85% LTV. A competitive £595 product fee applies, and eligible borrowers can earn £250 to £750 cashback based on their property’s EPC rating.
These mortgages are structured on a capital and interest repayment basis, making them ideal for those seeking a clear, manageable path to ownership, while being rewarded for owning energy-efficient homes.
Supporting Energy-Efficient Lending in 2024
Foundation Home Loans has reinforced its focus on sustainable lending through the Green ABC+ range, responding to growing borrower demand for products that support eco-conscious home improvements. By linking cashback incentives to EPC ratings, the lender encourages both landlords and homeowners to invest in greener living standards.
This product launch reflects the growing importance of energy performance in mortgage underwriting, especially as regulatory pressures on EPC targets intensify in 2024. For landlords navigating evolving rules and costs, energy-efficient properties not only meet compliance goals but can also improve borrowing affordability and long-term portfolio value.
Specialist Lender Foundation Home Loans
George Gee, Commercial Director at Foundation Home Loans, emphasised the lender’s commitment to sustainability, stating:
“We’re focused on rewarding homeowners and property investors who choose energy-efficient properties or invest in upgrading them.”
As the UK housing market evolves under the Government’s green agenda, energy performance is becoming a key consideration for landlords and homebuyers alike. Foundation Home Loans is among the early specialist lenders to introduce dedicated Green mortgage products, tailored for both buy-to-let landlords and residential borrowers.
These mortgages offer tangible benefits—including cashback incentives to help offset the cost of energy-efficient upgrades, competitive interest rates, and reduced product fees. For landlords, this aligns with future EPC requirements for rental properties, while owner-occupiers are increasingly motivated by environmental impact and long-term savings.
Although current regulatory pressure is primarily directed at the private rental sector, market data shows a growing appetite for green finance solutions across all buyer types. The increased interest reflects a broader trend towards sustainable living and eco-conscious property investment.
Foundation Home Loans continues to expand its green product suite to meet this demand, supporting the UK’s transition to a greener property market—while delivering financially attractive options for today’s environmentally aware borrowers.
Credits: Warren Lewis – Financial Reporter on our publication
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