Semi-Commercial

We provide mortgages for the purpose of purchasing, remortgaging or capital-raising against semi-commercial properties that are rented as investments.

We lend against purchase price, open 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

We accept the following as security:

  • Properties with both residential and commercial parts
  • 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).


We provide:

  • Both fixed and variable rate loans
  • Loan terms from 5 to 25 years
  • Loans from £400,000 up to £20,000,000
  • Up to 75% LTV
  • Interest only, part & part and repayment options
  • No compulsory insurance arrangements (fees and conditions apply)
  • No requirement to transfer your business bank account
  • For more info call 0333 414 1171

ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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 (80 KB) .


How to apply

Over the phone

Call our dedicated commercial mortgages team

0333 414 1171*

Post

Send a completed application form and your documentation to us.

Postal address

YBS Commercial Mortgages
Broadoak
Southgate Park
Bakewell Road
Peterborough
PE2 6YS