Landbay Cuts Buy-to-Let Rates as YBS Commercial Ends Loan Tiering

Summary: Landbay has introduced new buy-to-let mortgage products with reduced rates aimed at landlords with portfolios up to 15 properties. Meanwhile, YBS Commercial Mortgages has removed product tiering, allowing landlords borrowing between £500,000 and £20 million to access the same competitive rates regardless of loan size.

SEO Focus Keyword: buy to let mortgage rates UK
SEO Meta Title: Buy to let mortgage rates UK: Landbay cuts and YBS tiering removal
SEO Meta Description: Landbay lowers buy to let mortgage rates and YBS Commercial removes tiering, offering UK landlords more competitive and straightforward borrowing options.

Landbay Introduces New Lower-Priced Buy-to-Let Products

Landbay has launched new buy-to-let mortgage products within its Premier range, alongside significant rate reductions. These changes target landlords nearing the end of their current deals or those planning new property purchases.

The lender now offers two additional two-year fixed-rate options at 75% loan-to-value (LTV): a 5.24% deal with no fee and a 2.74% rate with a 5% fee. Existing Premier two-year fixed rates at the same LTV have also been cut by 0.5%, with pricing now starting at 4.74% with a 1% fee and reducing to 3.24% with a 4% fee.

The Premier range is designed for landlords with portfolios of up to 15 properties and is available to both individual and limited company borrowers. All product transfer options within this range benefit from the same rate reductions.

Reduced Rates on Remortgage-Only Product

In addition to the new products, Landbay has lowered the rate on its like-for-like two-year fixed remortgage-only product, aimed at borrowers not seeking to raise additional capital. The rate has been cut by 0.5% to 4.24%, with a 2% fee.

This product’s interest coverage ratio is assessed at the pay rate or 4.5%, whichever is higher, differing from other Premier options. Landbay states this structure helps advisers support landlords who require short-term affordability without committing to longer fixed periods.

Rob Stanton, Landbay’s sales and distribution director, commented: “These product additions to Premier, alongside the rate cuts, reflect where the buy to let market is right now. Premier is designed to be straightforward, with clear criteria and keen pricing that works for both individual and limited company landlords with portfolios up to 15 properties.”

YBS Commercial Removes Tiering Across Buy-to-Let Products

YBS Commercial Mortgages has eliminated product tiering across its buy-to-let, commercial investment, and business owner-occupier mortgage ranges. This change means all borrowers now have access to the same headline rates regardless of loan size.

Following the recent launch of new two-year fixed options, portfolio landlords borrowing between £500,000 and £20 million can now access a five-year fixed rate at 4.10% up to 65% LTV with a 5% fee. Previously, this rate was only available on loans of £750,000 or more.

Angela Norman, managing director at YBS Commercial, said: “We’re really pleased to remove tiering across our product ranges, ensuring that we can offer landlords access to the same competitive rates, no matter what their borrowing goals are.”

What This Means for UK Landlords

Landbay’s rate reductions and new product launches provide landlords, especially those with smaller portfolios, with more affordable and flexible mortgage options. The availability of no-fee and low-fee products at competitive rates can assist landlords in managing costs when remortgaging or purchasing additional properties.

YBS Commercial’s removal of tiering simplifies the borrowing process for landlords with larger portfolios, offering equal access to competitive rates regardless of loan size. This change could encourage portfolio landlords to consider YBS for both smaller and larger borrowing needs without concern over tiered pricing structures.

Suggested internal link anchors

• buy to let mortgage rates
• loan-to-value (LTV)
• two-year fixed rate mortgages
• property portfolio lending
• remortgage options
• limited company landlords
• interest coverage ratio
• commercial investment mortgages
• five-year fixed rate mortgages
• mortgage product tiering

TLA update

TLA is launching a new Trusted Partners Hub in Q1 2026, featuring verified and approved service providers selected to support landlords, tenants, and property management businesses. We are inviting legal, trades, insurance, financial, mortgage, tenant screening, and other service providers to register their interest here: https://landlordassociation.org.uk/become-a-tla-service-partner/