YBS Commercial Newsletter

Here’s what they have to say…

This Week’s News

We’re opening up to the leisure sector

We, like many lenders we were forced to pull out of lending in some investment sectors during the start of the pandemic. As the economy continues to recover and confidence grows, we’re delighted to announce our return to lending in the leisure sector this week. This means we’ll be able to help your clients looking to invest in restaurants, bars and gyms etc with our commercial investment products.

The criteria for these products will be 65% loan-to-value up to a value of £3 million per property. All other criteria apply from our existing commercial investment product range.

We’ve also reintroduced support for travel agencies as demand for holidays abroad is beginning to strengthen, same exclusions apply to specialist properties such as cinemas, theatres, 10 pin bowling and ice-skating rinks, but please contact your Relationship Director to discuss any deals you think may fit criteria, they may just be able to help.

Tom Simpson, managing director at YBS Commercial Mortgages says:

“By making this change, we’re illustrating our support for the economy as we start on the road to normality and come out of the pandemic. We’re committed to the commercial finance market and to servicing the clients and sectors who need our help.”

”Enabling lending in the leisure industry is one of the ways we can support this and I am looking forward to seeing how many businesses we can help in the run up to the festive period and into the New Year.”

Holiday season

There’s no getting away from it, Christmas is just around the corner and we’re sure you’re looking forward to a well earned rest as much as we are!

We’ll be closed Christmas Eve, Christmas and Boxing Day and New Years Day bank holidays. All other days were are open, but many of our colleagues will be taking leave over the Christmas period. We will be keeping in touch to support any applications which are ongoing.

For their website, click here.


Fixed Rate Buy to Let rates still available

  • 3.20% – 5 year fixed rate for LTV up to 65%
  • 3.35% – 5 year fixed rate for LTV up to 75%
  • 3.70% – 10 year fixed rate for LTV up to 75%

Contact your Relationship Director for more information.

Find out more here.

Commercial Lending Highlights

  • HMO rates now 3.8% 5 year fixed
  • 65% LTV on MV, 75% on VP
  • Minimum loan size £500,000
  • Maximum beds 12

Find more information here or email commerciallending@ybs.co.uk