YBS COMMERCIAL CUTS RATES AND ADDS 55% LOAN-TO-VALUE (LTV) PRODUCT AS BUY-TO-LET RANGE IS RESTRUCTURED

30 April 2025

YBS Commercial Mortgages is making a number of positive changes this week, effective immediately, in a bid to provide further support for landlords and investors.

In response to market conditions, the lender has taken the decision to restructure its buy-to-let range, improving rates for experienced portfolio landlords with larger borrowing requirements. The changes have paved the way for the lender to reduce rates on its buy-to-let range by 0.15% for those wishing to borrow more than £750K, and include a five-year fix at 4.80% (was 4.95%) up to 65% LTV with a 3% fee.

Additionally, two new products are introduced at up to 55% loan-to-value for those wishing to borrow more than £750K, competitively priced at 4.75% fixed for five years with a 3% fee, or 4.95% with a 2% fee.

The commercial lender has also reduced rates by 0.20% on its semi-commercial product, which is specifically designed for part-residential, part-commercial assets, so borrowers can now benefit from a five-year fix at 6.20% (was 6.40%), up to 60% LTV; or 6.25% (was 6.45%) up to 70% LTV, with a 3% fee.

There are no changes to any other products in the range.

Mike Davies, head of lending at YBS Commercial Mortgages, said:

“To support our borrowers impacted by recent market volatility, we are pleased to further improve the competitiveness of our buy to let and semi-commercial ranges, offering better value for landlords and investors.

“Reviewing our lending structure for buy-to-let and adding new products at 55% LTV means we can provide even better value, especially for those with higher borrowing requirements.

“These changes are part of our ongoing commitment to identifying and making improvements which benefit our brokers and their customers wherever we possibly can, providing support to high quality businesses looking to fulfil their borrowing needs.”