YBS Commercial Mortgages Lowers Buy-to-Let Rates by 0.10%

YBS Commercial Mortgages has announced rate reductions of 0.10% across its buy-to-let (BTL) product range, including its specialist offerings, to provide greater value for landlords and investors.

For landlords borrowing under £1 million, a five-year fixed rate is now available at 5.30% (down from 5.40%) up to 65% loan-to-value (LTV) with a 2% fee. Those borrowing more than £1 million can access a five-year fixed rate at 5.15% (previously 5.25%) with the same LTV and fee.

Key Benefits

The rate cuts also extend to specialist products. Holiday let loans now feature a five-year fixed rate of 5.60% (down from 5.70%) on loans up to £1.5 million per unit at 75% LTV with a 2% fee. For Houses in Multiple Occupation (HMO) purchases, a five-year fixed rate is available at 5.65% (previously 5.75%) on loans over £500,000, up to 65% LTV, also with a 2% fee.

Angela Norman, Interim Managing Director at YBS Commercial Mortgages, emphasized the company's commitment to supporting brokers and their landlord clients, stating that despite recent increases in swap rates, these reductions aim to improve the competitiveness of their BTL range. These changes demonstrate YBS Commercial's dedication to being a strong and stable lending partner.

Eligibility Criteria