Several buy to let lenders have recently announced reductions in mortgage rates, alongside rebranding efforts and new product launches aimed at landlords. These changes are significant for landlords seeking competitive financing options amid evolving market conditions.

Together Reduces Rates Across Buy to Let Products

Specialist lender Together has lowered its headline pricing by up to 25 basis points (0.25%) across a broad range of buy to let mortgage products. This includes regulated first and second charge variable mortgages, regulated consumer buy to let variable lending, and unregulated buy to let variable deals. The rate cuts apply uniformly across these categories.

In addition to mortgage rate reductions, Together has adjusted its bridging finance rates. Regulated bridging finance now starts from 0.68%, unregulated residential bridging from 0.75%, and unregulated commercial bridging from 0.92%. Some semi-commercial bridging and term products have also been repriced.

Tanya Elmaz, Managing Director of Intermediary Sales at Together, emphasised that beyond lower rates, the lender continues to prioritise speed, flexibility, and certainty of funding—qualities that brokers and customers value highly.

Foundation Home Loans Rebrands as Foundation

Foundation Home Loans has completed a rebranding exercise, shortening its name to Foundation to better reflect its current scale and business structure. The lender focuses on specialist buy to let lending, supported by experienced teams and systems designed to manage complex cases.

The rebrand includes a new visual identity and the tagline ‘Making mortgages happen’. Foundation has confirmed that the update will not affect underwriting standards, service levels, or lending criteria. Manual underwriting and flexible assessments remain central to its proposition.

Chief Executive Pete Ball explained that the rebrand reflects the growth of both Foundation and the market, as brokers increasingly handle cases requiring greater clarity and structure. He highlighted the depth of the business and the strength of its teams in specialist lending.

Aldermore Introduces Zero-Fee Buy to Let Products

Aldermore has launched new zero-fee limited edition buy to let mortgage products, providing fresh options for landlord borrowers. The lender is also offering rate reductions for existing customers switching deals.

For new borrowers, individual and company landlords with single residential investment properties can access two-year fixed rates at 75% loan-to-value (LTV) priced at 5.39%, and five-year fixed rates at the same LTV priced at 5.22%, both with no fees.

Portfolio landlords are offered two-year fixes at 5.34% and five-year fixes at 5.17%, again with zero fees. Existing customers benefit from product switch reductions of up to 0.20%, with two-year fixed rates up to 85% LTV starting from 5.69%, and five-year equivalents from 5.52%.

Implications for UK Landlords

These developments from Together, Foundation, and Aldermore provide landlords with more competitive financing options and greater flexibility in managing their property portfolios. Reduced rates and zero-fee products can improve investment returns and cash flow, particularly important in the current economic climate.

The rebranding and refreshed product offerings also signal lenders’ recognition of the complexities landlords face, including the need for tailored underwriting and efficient service. Landlords and letting agents should consider these updated products when reviewing mortgage arrangements or seeking new finance.

Upcoming TLA Trusted Partners Hub

The Landlord Association (TLA) is launching a new Trusted Partners Hub in the first quarter of 2026. This platform will feature verified and approved service providers selected to support landlords, tenants, and property management businesses. Legal, trades, insurance, financial, mortgage, tenant screening, and other service providers are invited to register their interest to become TLA service partners at https://landlordassociation.org.uk/become-a-tla-service-partner/.