YBS Commercial Mortgages has introduced new two-year fixed-rate products for landlords as part of a series of changes to its buy-to-let range at the start of the year.

The new products are available immediately and are accompanied by rate reductions across the lender’s wider commercial mortgage offering.

The two-year fixed rates are available for loans between £500,000 and £20 million for both purchases and remortgages.

One option is available up to 65% loan to value at a rate of 3.20% with a 5% fee, while a second product offers borrowing up to 75% loan to value at 4.10% with a 2% fee.

Alongside the launch, YBS Commercial has cut rates by 0.10% across its five-year fixed new-business range.

The reductions apply to buy-to-let mortgages, as well as specialist products for houses of multiple occupancy and holiday lets, and extend to owner-occupied and commercial investment lending.

Within the revised range, five-year fixed buy-to-let rates now start from 4.65% up to 75% loan to value with a 3% fee. For houses of multiple occupancy with up to six bedrooms, a five-year fixed rate of 4.90% is available to 75% loan to value with a 2% fee.

Semi-commercial assets are now priced from 6.00% on a five-year fixed basis, again up to 75% loan to value with a 2% fee.

Angela Norman, managing director at YBS Commercial Mortgages, said: “We are delighted to announce the launch of our new two-year fixed-rate products, developed in direct response to broker feedback and designed to complement our strategic focus on product flexibility.

“This addition broadens our offering, providing greater choice for investors who prefer a shorter-term fix and supporting those who value the ability to adapt their financing strategies in line with interest rate fluctuations.

“This latest rate reduction demonstrates our continued commitment to providing the best possible value to brokers and customers wherever we can.”