YBS Commercial cuts rates on Buy o Let – including Specialist Range
12 Mar 2025
YBS Commercial Mortgages is making positive changes this week, in a bid to support landlords and investors.
Effective now, the commercial lender has reduced rates by 0.10% across its buy-to-let product range, so landlords wishing to borrow less than £1 million can now benefit from a five-year fix at 5.30% (was 5.40%) up to 65% loan-to-value (LTV) with a 2% fee. Those wishing to borrow more than £1 million have access to a five-year fix at 5.15% (was 5.25%) up to 65% LTV with a 2% fee.
Reductions also apply to the lender’s specialist buy-to-let offering, with a discount of 0.10% on the commercial lender’s Holiday Let and Housing of Multiple Occupation (HMO) products.
Landlords looking to purchase a property as a holiday let can now benefit from a five-year fixed rate of 5.60% (was 5.70%) on loans of up to £1.5 million per unit, up to 75% LTV, which comes with a 2% fee.
For landlords looking for a product to fund a HMO purchase, there is now a five-year fix priced at 5.65% (was 5.75%) on loans over £500,000, up to 65% LTV, which also comes with a 2% fee.
There are no changes to the lender’s commercial real estate products, or to any other products in the range.
Angela Norman, interim managing director at YBS Commercial Mortgages, said: “Despite recent increases in swap rates, we’re pleased to improve the competitiveness of our buy-to-let range, offering better value for landlords and investors.
“Reducing rates right across our buy-to-let range demonstrates our continued commitment, as a strong, stable lending partner, to supporting brokers and their landlord clients, including with their specialist lending needs.”