The largest cuts have been made to its specialist product for houses in multiple occupation (HMOs) with up to six bedrooms, which has been lowered by 0.4%. The five-year fix at 75% loan to value (LTV) with a 2% fee has been cut from 5.4% to 5%.
It has reduced rates for business owner-occupiers and now offers a five-year fix priced at 6.4%, down from 6.64%, for loans above £1m up to 75% LTV with a 2% fee.
Additionally, YBS Commercial has lowered buy-to-let (BTL) rates by as much as 0.2%, including a five-year fix up to 70% LTV with a 5% fee, which is now 4.25%, down from 4.45%.
Further, it has reduced rates across its commercial investment property range by up to 0.15%.
Angela Norman, managing director at YBS Commercial Mortgages, said: “We’re proud to be delivering even greater value through our latest rate reductions and product enhancements.
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“These changes reflect our ongoing commitment to supporting brokers and their clients with competitive solutions that meet real-world needs. Whether it’s landlords expanding portfolios, investors seeking stability, or business owners planning for growth, our refreshed range is designed to help them move forward with confidence.”
Market Financial Solutions cuts commercial rates and refreshes Fusion Premier product
Market Financial Solutions has reduced pricing across its commercial and semi-commercial BTL mortgage rates and updated its Fusion Premier product.
The lender has made changes to its fixed rates, which it said made its offering more competitive and accessible to borrowers.
Market Financial Solutions has updated its Fusion Premier product and will now allow borrowers to benefit from rolled interest terms of up to nine months and deferred interest options of up to 2%.
The Fusion Premier range was launched in September and allows large residential property portfolios to be consolidated under a single loan at a lower annual rate.
Paresh Raja, CEO of Market Financial Solutions, said: “The commercial property market has faced significant challenges in recent years. But we’re now beginning to see encouraging signs of recovery, with investor confidence gradually returning and demand stabilising across key sectors.
“With this in mind, reducing our commercial and semi-commercial rates is a natural step in our ongoing commitment to support brokers and clients in this space. Meanwhile, as speculation swirls around the Autumn Budget, the enhancements to our Fusion Premier product will help portfolio landlords find the speed and flexibility that moments of uncertainty require.
“I’m confident that these changes will help build momentum once the Budget has been delivered, and we’re on hand to support brokers and borrowers as they navigate the final months of the year.”
