YBS COMMERCIAL CUTS RATES BY UP TO 0.40% AND LAUNCHES COMPETITIVE NEW RANGE

29 October 2025

YBS Commercial Mortgages is launching a competitive new range, effective today, in a bid to provide further support for landlords and investors.

In response to market conditions, the commercial lender has taken the decision to reduce rates right across its range, with the largest reductions of 0.40% on its specialist product for Housing of Multiple Occupancy (HMOs), for properties of up to six bedrooms. Borrowers can now benefit from a five-year fix at a reduced rate of just 5.00% (was 5.40%) up to 75% loan-to-value (LTV), with a 2% fee.

The lender has also reduced rates for its business owner-occupiers, who can now access a five-year fix at a competitive rate of 6.40% (was 6.64%) if borrowing more than £1 million, up to 75% LTV with a 2% fee.

YBS Commercial has also reduced rates across its buy-to-let product range by up to 0.20%, with highlights including a five-year fix for buy-to-let clients at a competitive rate of 4.25% (was 4.45%) up to 70% LTV with a 5% fee.

Meanwhile, its commercial investment property range is now up to 0.15% cheaper.

Angela Norman, managing director at YBS Commercial Mortgages, said:

“We’re proud to be delivering even greater value through our latest rate reductions and product enhancements.

“These changes reflect our ongoing commitment to supporting brokers and their clients with competitive solutions that meet real-world needs. Whether it’s landlords expanding portfolios, investors seeking stability, or business owners planning for growth, our refreshed range is designed to help them move forward with confidence.”