YBS Commercial Mortgages cuts rates on commercial real estate products

By Bridging Loan Directory 13th February 2025

YBS Commercial Mortgages has made some positive changes this week across its commercial real estate products, effective now, which benefit brokers and their clients.

The commercial lender has reduced rates by 0.15% on its five-year fixed rate semi-commercial range, designed specifically for part-residential, part-commercial assets.

The lender has also cut rates by up to 0.15% on its commercial investment range for loans on retail, office, industrial, warehousing, quality leisure facilities and other kinds of commercial property.

The SME product aimed at those who occupy their property for business purposes (owner-occupied), also sees a discount of 0.20%.

Highlights of the new range include:

A five-year fix for semi-commercial clients at 6.40% (was 6.55%), up to 60% LTV, with a 2% fee
A five-year fix for commercial investment clients at 6.84% (was 6.99%) on loans over £1 million, up to 75% LTV, which comes with a 2% fee
And a five-year fix for owner-occupied clients at 7.05% (was 7.25%) on loans under £1 million, up to 75% LTV, with a 2% fee.

The commercial lender is also offering a further discount of 0.25% for borrowers looking for funding on small to medium-sized, good-quality warehouse, light-manufacturing and industrial units if they meet specified criteria.

To qualify for the discount, properties should have been built within the last 20 years, be located in established industrial or commercial areas, and have an Energy Performance Certificate (EPC) rating of A-C.

Any applications which qualify for this discount will be subject to the lender’s usual credit criteria.

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

“We’re absolutely thrilled to reduce rates on our commercial real estate products, following the recent drop in swap rates.

These changes reflect our desire to pass on value wherever we can to brokers and their clients, maintaining our commitment to the commercial market.

Including a discount on industrial units which meet specific criteria allows us to incentivise commercial landlords who offer higher-quality properties, providing them with better product choice and value, although we encourage applications from those who might not qualify, but can benefit from our standard product option.”