YBS COMMERCIAL BOOSTS LANDLORD CHOICE WITH FIVE-YEAR TRACKER MORTGAGES

01 October 2026

YBS Commercial Mortgages has made significant positive changes to its range this week, with the introduction of two new five-year tracker products, providing landlords with better choice.

The products have been introduced both to the lender’s standard buy-to-let range and to its products for large Multi-Unit Freehold Blocks (MUFBs), defined as buildings that contain seven or more separate residential units (such as flats or apartments) where the building and land are owned under a single freehold title.

Available now, the buy-to-let tracker is available at a highly competitive variable rate of 4.90% (1.15% + Bank Base Rate - currently 3.75%), up to 75% loan-to-value (LTV) with a 2% arrangement fee.

The product for MUFBs – also highly competitive - is available at a variable rate of 5.14% (1.39% + BBR) on mortgages up to 75% LTV, with a 2% fee.

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

"Broker feedback has consistently highlighted a desire for a wider range of tracker options, particularly for landlords seeking greater product flexibility over a longer period. Our new tracker products address that demand directly, giving investors more choice and value alongside traditional fixed rate and shorter-term options.

“This product has been designed to reflect the needs of today's market, where economic uncertainty and changing interest rate expectations mean many landlords are looking for alternatives. Expanding our range in this way ensures they have access to products that align with their investment strategies and financing needs."