We provide established businesses* mortgages for the purpose of purchasing, remortgaging or capital-raising against commercial and semi-commercial trading premises for owner-occupation.

*Established businesses are recognised as business that have a proven profitable track record over a period of three or more years. Full audited or certified accounts for the business are required for the three year period. Where only two years full accounts are available, we may still decide to lend but subject to a higher rate of interest.

Both direct business owner occupier mortgages and leaseback arrangements (with the same ultimate beneficial ownership) can be considered.

We lend against purchase priceopen market vacant possession, or investment valuation - whichever is lowest.

We are able to lend to the following:
  • Individuals / Partnerships
  • UK Limited Companies
  • Limited Liability Partnerships
  • Pensions
We accept the following as security:
  • Industrial units, factories and warehouses
  • Offices
  • Retail units
  • Professional Practices
  • Mixed use properties

We provide:

  • Loan terms from 5 to 25 years
  • Loans from £500,000 up to £20,000,000 maximum per portfolio.
  • Up to 75% LTV
  • Repayment, part & part and interest only payment options
  • No compulsory insurance arrangements (fees and conditions apply)
  • No requirement to transfer your business bank account
Contact your dedicated regional team here.

All loans are subject to status and secured against property. Sometimes, other additional security may be required. We do not lend to offshore companies. Your interest rate will be linked to the Bank of England Base Rate, or you can choose from a range of fixed rates (early repayment charges, an arrangement fee and other fees will usually apply).


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.

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.


I am buying a commercial property for my business that has a flat above it. Can I take out a commercial mortgage, even though some of the property is residential?

It all depends on what your plans are for the flat.

If the residential part is less than 40% of the whole property, then you can take out a commercial mortgage, regardless of what you intend to do with the flat.

If the flat is more than 40% of the total area and you are intending to let the flat out on an Assured Shorthold Tenancy, you can still have a commercial mortgage.

On the other hand, if the flat is more than 40% of the total area and you or your immediate family plan to live in the flat, you may need to consider a residential mortgage which is regulated by the Financial Conduct Authority (FCA). In which case, unfortunately, we would be unable to help you.

I am buying a commercial property for my business and part of the premises will be let to another business. Will you consider the rental income from the tenant?

Yes. We’ll take a rounded view of the income streams from the property that will be in place to support affordability of your desired mortgage.

Assessing this way, it may be possible that we can achieve a higher Loan to Value lend than if we focused purely on your own business’ performance.

How to apply


Get in touch

Contact your dedicated regional team here.


Send a completed application form and your documentation to us.

Postal address

YBS Commercial Mortgages
Southgate Park
Bakewell Road