YBS Commercial Mortgages has announced rate reductions of up to 0.40% alongside the launch of a refreshed product range aimed at supporting landlords, investors and business owner-occupiers.

The new rates, effective from today, see the lender’s most significant cut applied to its specialist product for houses in multiple occupation (HMOs) of up to six bedrooms.

Borrowers can now access a five-year fixed rate of 5.00%, down from 5.40%, available up to 75% loan-to-value with a 2% fee.

Rates for business owner-occupiers have also been reduced, with a five-year fix now available at 6.40%, previously 6.64%, for loans above £1 million and up to 75% LTV.

Further reductions of up to 0.20% have been made across the lender’s buy-to-let range, including a five-year fixed rate of 4.25%, down from 4.45%, up to 70% LTV with a 5% fee.

Commercial investment property rates have also fallen by as much as 0.15%.

Angela Norman, managing director at YBS Commercial Mortgages, said: “We’re proud to be delivering even greater value through our latest rate reductions and product enhancements.

“These changes reflect our ongoing commitment to supporting brokers and their clients with competitive solutions that meet real-world needs.

“Whether it’s landlords expanding portfolios, investors seeking stability, or business owners planning for growth, our refreshed range is designed to help them move forward with confidence.”