YBS COMMERCIAL MORTGAGES CUTS RATES BY UP TO 0.20%

01 July 2026

From today (Wednesday 1 July), YBS Commercial Mortgages is reducing rates on its fast-track buy-to-let range, specialist products for large Multi-Unit Freehold Blocks, and owner-occupied, commercial investment and semi-commercial products.

The commercial lender is reducing rates by 0.15% on its fast-track buy-to-let range, which offers a faster and more focused process, as well as discounted rates, for straightforward, low-risk buy-to-let cases from experienced portfolio landlords.

Rates are also reduced by up to 0.20% on its specialist range for large Multi-Unit Freehold Blocks (MUFBs), categorised as seven or more units in a flat or house; and by 0.15% across its owner-occupied, commercial investment and semi-commercial products designed for part-residential, part-commercial assets.

There are no changes to the lender’s remaining standard five-or two-year buy-to-let products.

Highlights of the new range include:

• A five-year fixed rate for investors looking for a semi-commercial product at 5.80% (was 5.95%) up to 65% loan-to-value (LTV) with a 2% fee
• A five-year fix for investors seeking a commercial investment mortgage, for loans on retail, office, industrial, warehousing, quality leisure facilities and other kinds of commercial property, at 6.89% (was 7.04%) up to 75% LTV with a 2% fee
• And a five-year fix for landlords with low-risk buy-to-let cases who fit into the fast-track category, at 5.00% (was 5.15%) up to 65% LTV with a 2% fee.

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

“We’re committed to offering good value to borrowers across the markets we serve, and these reductions are another example of that commitment in action.

“By reducing rates across selected buy-to-let, semi-commercial and commercial products, we’re giving customers and brokers more competitive options, while continuing to lend responsibly and sustainably.”