Commercial mortgages

Corporate Buy to Let


We provide mortgages for the purpose of purchasing, remortgaging or capital-raising against residential investment property owned via limited company or limited liability partnership.

YBS Commercial Mortgages lends against the lower of purchase price and the open market vacant possession or investment valuation.

We are able to lend to the following Borrower types:

  • UK Limited Companies
  • Limited Liability Partnerships

We are able consider the following property types as suitable security:

  • Houses
  • Flats

We provide:

  • Loan terms from 5 to 25 years
  • Loans from £100,000 up to £5,000,000 maximum per portfolio
  • Up to 75% LTV (Max 50% for flats)
  • Interest only, part & part and repayment options
  • No compulsory insurance arrangements (conditions apply)
  • No requirement to transfer your business bank account

You can borrow any amount from £100,000 up to £1.5m per letting unit. We may consider higher loan amounts in the London area.

All loans are subject to status and secured against the property with full personal guarantee(s) required. Sometimes additional security may be required. Early repayment charges and an arrangement fee apply. Other fees may also apply. Exclusions and conditions apply.

For more information you can call us on 0333 414 1171.

Our charges

Early repayment charges

You can pay off your mortgage early whenever you want, but you will have to pay an early repayment charge if you repay all or part of your mortgage within a specified period. Additional interest will be payable in the event of early redemption of the mortgage. Please contact Commercial Lending on 01733 372 425 to discuss what Early Repayment Charges are applicable to our products.

Fees and charges

For a full list of our mortgage charges and a description of when these may apply, you can download our guide to fees and charges here (75 KB) .

 
 

Other commercial mortgages

Investment Property

Looking to buy a property to rent out?

View details
 

Business Owner Occupier

Mortgages for profitable businesses.

View details

How to apply

Download application form
 

By phone

Call our dedicated commercial mortgages team on 0333 414 1171.

By post

YBS Commercial Mortgages
YBS Group
Peterborough Business Park
Lynch Wood
Peterborough
PE2 6WZ

Paperwork we'll need to see

  • Fully completed corporate buy to let application form.
  • The last three years accounts for the proposed borrower and the last three years accounts or proof of income for all directors/shareholders with a 25% shareholding or more.
  • The last six months bank statements for the proposed borrower, all directors/shareholders with a 25% shareholding or more, and any company/business in which a director/shareholder of the proposed borrower has a 25% shareholding or more.
  • Certified copy of ID (valid driving licence and/or passport) for all directors and/or shareholders with a 25% shareholding or more.

This is not a comprehensive list of requirements and as such depending on the type of business borrowing you may be exempt from certain requests or be required to provide additional information.

 

Commercial mortgages offered by YBS Commercial Mortgages are not regulated by the Financial Conduct Authority.

YBS Commercial Mortgages is a trading name of Yorkshire Building Society. Yorkshire Building Society is a member of the Building Societies Association and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Yorkshire Building Society is entered in the Financial Services Register and its registration number is 106085. Head Office: Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ.

References to 'YBS Group' or 'Yorkshire Group' refer to Yorkshire Building Society, the trading names under which it operates (Chelsea Building Society, the Chelsea, Norwich & Peterborough Building Society, N&P and Egg) and its subsidiary companies.

This site is intended for UK Residents unless otherwise stated. All communications with us may be monitored/recorded to improve the quality of our service and for your protection and security.

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