Who we are

The Commercial arm of Yorkshire Building Society, YBS Commercial Mortgages offers an award-winning commercial mortgage service to both trading businesses and property investors who are based in the UK.

Over 25 years ago, we set up a specialist team to deal with commercial mortgage enquiries, and now the team has over 2,000 mortgage customers.

We are proud of our innovative and flexible approach.

All loans are subject to status and secured against property. Sometimes, additional security may be required. Arrangement fees will apply to all our products. Early repayment charges apply.

We provide:

  • Commercial investment, business owner occupier and limited company buy-to-let mortgages.
  • Lending amounts £500,000 - £20,000,000 maximum per portfolio.
  • Loan terms from 5 to 25 years.
  • Dedicated personal service from application through to completion.
  • Loans up to 75% LTV.
  • Named points of contact with direct dial contact numbers.
  • Both variable and fixed rates.


Business Moneyfacts Award logo - highly commended 2021

YBS Commercial Named Best Commercial Mortgage Provider

YBS Commercial Mortgages has scooped the title of ‘Best Commercial Mortgage Provider’ at the 2022 Business Moneyfacts Awards.

YBS Commercial named best commercial mortgage provider

YBS Commercial Mortgages has scooped the title of ‘Best Commercial Mortgage Provider’ at the 2022 Business Moneyfacts Awards.

The financial awards ceremony is the largest in the UK and one of the highlights of the industry calendar, celebrating the best of the best in financial services.

Finalists and winners are decided as a result of rigorous product monitoring and broker and business community feedback.

Tom Simpson, managing director of YBS Commercial Mortgages commented: “We’re delighted to have won the award for Best Commercial Mortgage Provider. It gives us great pride to receive industry recognition for our hard work and dedication to the commercial lending market and our borrowers and brokers.

“Since launch we’ve doubled the size of our broker panel, built our teams, invested in technology and focused on expanding our product range and refining our policies. We’ve done all of this to give the very best personal service to all of our clients, and it’s something we feel passionate about.”

The commercial lender also demonstrated their commitment to the sector by sponsoring the award category ‘Best Commercial Mortgage Introducer of the Year’. Tom commented: “Congratulations to Watts Commercial who have deservedly won the award for Best Commercial Introducer of the Year and to all the category finalists.

“We recognise that introducers have a vital role in the commercial lending sector. We have long standing relationships with many of our brokers and introducers, so we’re delighted to support this award, celebrate and give recognition to the best introducers in the industry for their dedication and contribution – especially after another challenging year.”