Personal Buy to Let 

Residential properties in a small portfolio, owned in personal name (sole trader) or partnership and let on standard AST agreements.

Available where one of the following apply:
The requested loan or total requested aggregated personal BTL lending is over £3m.
The number of BTL properties charged to YBS will be 6 or more.
The number of mortgaged BTL properties of the applicant(s) with all lenders is 11 or more.
The requested loan is for a Holiday Let or HMO property.
This is because YBS commercial provide unregulated BTL loans.

Differences to Ltd Co BTL:
Gross rental ICR of 140% at the prevailing product stress rate.

Check our product criteria

Find out more about our risk appetite before you apply. 

Investment criteria

View our criteria for industrial, offices, leisure and retail sectors.

How to apply

Check out our useful guides and find out more about our processes and support that we offer. 

Meet the team

Our commercial lending experts are ready to support your plans for now and the future.

Want to apply or enquire?

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