YBS Commercial Mortgages has introduced a series of enhancements to its semi-commercial and buy-to-let product ranges, aimed at giving landlords and portfolio investors more flexibility in structuring their finance.

The lender has raised the maximum loan-to-value (LTV) ratio on its semi-commercial range to 75%, up from 70%, and increased the maximum loan size to £5 million per property, rather than per loan.

The changes mean investors with part-residential, part-commercial assets can now access higher levels of borrowing against individual properties.

As part of the update, YBS has launched a new product available at up to 55% LTV, fixed at 5.50% for five years with a 2% fee. It has also priced five-year fixes at 5.90% up to 65% LTV and 6.25% up to 75% LTV, each with a 2% fee.

In addition, the lender has expanded its buy-to-let offering with a new corporate product fixed at 4.35% for five years, available at up to 65% LTV with a 5% fee.

The structure is designed to give landlords the option of paying a higher fee upfront in return for a lower interest rate over the term.

Angela Norman, managing director at YBS Commercial Mortgages, said: “We’re so pleased to offer a number of changes across our product range, incorporating new options for investors with part-residential, part commercial assets who rely on diversified income streams, including a competitive new low LTV product, as well as supporting those with a smaller deposit and those looking to borrow more.

“Our new buy-to let product also expands the choice we can offer landlords looking to pay more upfront and benefit longer-term from a lower rate.

“Each of these changes demonstrate how we’re listening to broker feedback, underlining our commitment to serving the commercial market in the best way possible, making improvements which benefit our brokers and customers wherever we can.”