YBS COMMERCIAL MORTGAGES ENHANCES SEMI-COMMERCIAL AND BUY-TO-LET RANGES, OFFERING MORE CHOICE AND FLEXIBILITY FOR LANDLORDS
11 Sept 2025
- Increased LTV and maximum loan size on semi-commercial range , plus new 55% LTV product priced at 5.50%
- Competitive new buy-to-let product
YBS Commercial Mortgages is making a number of positive changes this week, in a bid to support portfolio landlords and investors.
Effective now, the commercial lender is increasing the loan-to-value on its semi-commercial range, designed specifically for part-residential, part commercial assets, offering loans up to 75% loan-to-value (LTV) (maximum LTV was previously 70%).
The commercial lender has also introduced a new product, available up to 55% LTV, competitively priced at 5.50% for a five-year fix with a 2% fee. Investors can now also benefit from a five-year fix at 5.90% up to 65% LTV with a 2% fee; and for borrowers with a smaller deposit, loans are available at 6.25% with a 2% fee, up to 75% LTV.
YBS Commercial Mortgages has also increased the maximum loan available on its semi-commercial offering to £5 million per property (previously £5 million per loan), allowing investors to borrow more.
And as an addition to its buy-to-let range for corporate buy-to-let customers is a competitive offering priced at just 4.35% fixed for five-years, up to 65% LTV with a 5% fee. This allows investors the chance to benefit from a better rate by paying a higher fee upfront.
Angela Norman, managing director at YBS Commercial Mortgages, said: “We’re so pleased to offer a number of changes across our product range, incorporating new options for investors with part-residential, part commercial assets who rely on diversified income streams, including a competitive new low LTV product, as well as supporting those with a smaller deposit and those looking to borrow more.
“Our new buy-to let product also expands the choice we can offer landlords looking to pay more upfront and benefit longer-term from a lower rate.
“Each of these changes demonstrate how we’re listening to broker feedback, underlining our commitment to serving the commercial market in the best way possible, making improvements which benefit our brokers and customers wherever we can.”