YBS Commercial Mortgages has announced that it has launched new two-year fixed rate products and reduced rates across its range as it starts 2026 with changes to its buy-to-let offering.
The new two-year fixes are available for loans between £500,000 and £20 million for property purchase and remortgage. One option runs up to 65% LTV at 3.20% with a 5% fee, while another extends up to 75% LTV at 4.10% with a 2% fee.
The commercial lender has also cut rates on five-year products across its new-business range by 0.10%. This includes buy-to-let mortgages and specialist options for houses of multiple occupancy (HMOs) and holiday lets, as well as owner-occupied and commercial investment products.
A five-year fixed rate for buy-to-let clients now sits at 4.65%, down from 4.75%, up to 75% LTV with a 3% fee. HMOs comprising up to six bedrooms can access a five-year fix at 4.90%, reduced from 5.00%, up to 75% loan to value with a 2% fee. Semi-commercial assets up to 75% loan-to-value can secure a five-year fix at 6.00%, down from 6.10%, with a 2% fee.
"We are delighted to announce the launch of our new two-year fixed-rate products, developed in direct response to broker feedback and designed to complement our strategic focus on product flexibility. This addition broadens our offering, providing greater choice for investors who prefer a shorter-term fix and supporting those who value the ability to adapt their financing strategies in line with interest rate fluctuations," said Angela Norman, managing director at YBS Commercial Mortgages.
"This latest rate reduction demonstrates our continued commitment to providing the best possible value to brokers and customers wherever we can," she added.
