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Category: Commercial

  • YBS Commercial Mortgages Expands Broker Team for Growth

    YBS Commercial Mortgages Expands Broker Team for Growth

    YBS Commercial Mortgages has announced the strengthening of its broker team with the addition of Michelle Lowe, who brings over 20 years of experience in financial services, including more than a decade in commercial lending. This strategic move aims to enhance support for brokers and improve turnaround times in the commercial mortgage sector, reflecting the lender’s commitment to meeting the evolving needs of its partners.

    TL;DR: YBS Commercial Mortgages has hired Michelle Lowe to bolster its broker team; this change aims to enhance support and efficiency for brokers handling commercial mortgage cases.

    Who is Michelle Lowe?

    Based in Manchester but operating on a national scale, Michelle Lowe joins YBS Commercial Mortgages with extensive expertise in the financial services sector. Her background in commercial lending positions her well to contribute effectively to the lender’s objectives. Lowe expressed her enthusiasm for joining the team, highlighting her commitment to supporting the company’s growth ambitions.

    What does this mean for brokers?

    The addition of Lowe to the business development team is a significant step for YBS Commercial Mortgages as it aims to provide enhanced support for its broker partners. The lender is focused on delivering fast turnaround times and dedicated assistance, which is important for brokers managing increasingly complex commercial, buy-to-let, and bridging cases. This investment in personnel underscores YBS’s strategy to maintain high levels of service and responsiveness in a competitive market.

    How does this impact the commercial mortgage market?

    The recruitment of experienced professionals like Lowe signifies a broader trend in the commercial mortgage market, where lenders are investing in their teams to better serve brokers. As demand for commercial mortgages continues to rise, particularly in light of complex financial needs, lenders must adapt to ensure they can meet these challenges effectively. This move could lead to more streamlined processes and better outcomes for borrowers seeking commercial finance solutions.

    What this means for landlords and investors

    For landlords and investors, the strengthening of YBS Commercial Mortgages’ broker team could result in improved access to commercial mortgage products and more efficient processing of applications. As brokers receive better support, they can offer more tailored solutions to their clients, ultimately benefiting those looking to invest in commercial properties or expand their portfolios.

    Frequently asked questions

    What types of loans does YBS Commercial Mortgages offer?

    YBS Commercial Mortgages provides a range of products, including commercial mortgages, buy-to-let loans, and bridging finance options.

    How can brokers benefit from YBS’s new team member?

    Brokers can expect enhanced support and faster turnaround times for their applications, which can improve their service delivery to clients seeking commercial mortgage solutions.

  • FRP Launches New Offering in the Mortgage Market

    FRP Launches New Offering in the Mortgage Market

    FRP Real Estate Advisory has launched a dedicated lender offering following the successful integration of Arc & Co. This move signifies a robust response to the growing demand in the mortgage market, particularly for residential and commercial development financing.

    TL;DR: FRP has created a £100m deal pipeline for integrated mortgage solutions; this impacts landlords and investors seeking diverse financing options.

    What is the new offering from FRP?

    The newly launched lender offering under the Arc & Co brand aims to provide tailored mortgage solutions for various real estate needs. This initiative comes after FRP’s acquisition of Arc & Co in November, which has since allowed the company to expand its team and enhance its service capabilities.

    How has the integration performed in the mortgage market?

    In the first six months post-acquisition, FRP reported a strong market appetite for its integrated approach, resulting in a £100 million deal pipeline. This pipeline includes opportunities in residential development, commercial development, and income-producing assets, showcasing the versatility of the new offering.

    What does this mean for landlords and investors?

    For landlords and investors, the launch of FRP’s dedicated lender offering is significant. With £377 million in real estate lending delivered across 170 transactions during the same period, this new service provides greater access to financing and diversified options for property investment. The ability to attract senior talent, such as Martin Farinola, to lead the real estate debt strategy indicates FRP’s commitment to strengthening its market position.

    What should brokers and borrowers watch for in the mortgage market?

    Brokers and borrowers should keep an eye on how FRP’s new offerings evolve in response to market demands. The integration of Arc & Co is expected to enhance the range of mortgage products available, potentially leading to more competitive rates and terms in the mortgage market. Monitoring FRP’s performance and the subsequent impact on current mortgage rates will be important for making informed decisions.

    Frequently asked questions

    What types of properties can be financed through FRP?

    FRP’s new offering covers a range of properties, including residential developments, commercial developments, and income-producing assets.

    How does the integration of Arc & Co benefit clients?

    The integration allows FRP to provide a more comprehensive service with a wider range of mortgage products, catering to various real estate financing needs.

  • Molo Introduces Semi-Commercial Mortgage Options

    Molo Introduces Semi-Commercial Mortgage Options

    Molo has launched a new semi-commercial mortgage product aimed at providing brokers with a streamlined option for smaller semi-commercial deals. This initiative is significant as it addresses a gap in the market where many smaller properties often fall outside traditional lending criteria.

    TL;DR: Molo’s new semi-commercial mortgage offers loans from £45,000 to £3m, with LTVs up to 75% for non-fire-risk properties, helping brokers place smaller deals more easily.

    What are the key features of Molo’s semi-commercial mortgage?

    The semi-commercial mortgage from Molo allows loan amounts ranging from £45,000 to £3 million. It is designed specifically for properties where the commercial aspect does not exceed 40% of the total floor area. The mortgage is available with a five-year fixed rate, starting at 6.55% for loans at 75% loan-to-value (LTV) and 6.85% for those at 65% LTV for fire-risk properties.

    How does this impact brokers and borrowers?

    This product is particularly beneficial for brokers who have clients needing financing for smaller semi-commercial properties that might not meet the criteria of larger lenders. The ability to secure up to 75% LTV on non-fire-risk properties simplifies the process for borrowers, making it easier for them to access funds and invest in mixed-use properties.

    What this means for landlords and investors

    Landlords and investors looking to expand their portfolios with semi-commercial properties will find Molo’s offering advantageous. By providing a clearer pathway for financing, Molo enables potential investors to explore opportunities that were previously challenging to fund. This could lead to an increase in investment activity in the semi-commercial sector.

    Frequently asked questions

    What types of properties qualify for Molo’s semi-commercial mortgage?

    Properties must have a commercial element that does not exceed 40% of the total floor area to qualify for Molo’s semi-commercial mortgage.

    What are the current rates for Molo’s semi-commercial mortgage?

    The rates start from 6.55% for loans at 75% LTV for non-fire-risk properties and 6.85% for those at 65% LTV for fire-risk properties.

  • Molo Unveils New Semi-Commercial Mortgage Range

    Molo Unveils New Semi-Commercial Mortgage Range

    Molo has launched a new semi-commercial mortgage range, catering specifically to UK domestic borrowers. This offering is significant as it allows for greater flexibility in financing properties that combine residential and commercial elements, appealing to landlords and investors looking to diversify their portfolios.

    TL;DR: Molo’s new semi-commercial mortgage range offers loans from £45,000 to £3 million, with LTVs up to 75% for non-fire-risk properties, providing landlords with more financing options.

    What are the key features of Molo’s semi-commercial mortgage?

    The new mortgage range from Molo includes loan sizes between £45,000 and £3 million, with a maximum loan-to-value (LTV) ratio of 75% for non-fire-risk properties. For properties deemed to be fire-risk, Molo may consider loans up to 65% LTV on a case-by-case basis. Importantly, the commercial portion of the property must not exceed 40% of the total floor area, ensuring a balance between residential and commercial use.

    How does this impact landlords and investors?

    This development is particularly beneficial for landlords and property investors who wish to explore semi-commercial properties. With the ability to secure five-year fixed-rate products starting at 6.55% for 75% LTV and 6.85% for 65% LTV, borrowers can manage their costs effectively. The launch follows Molo’s strategic partnership with LMS, which aims to streamline the post-offer process, potentially enhancing the overall borrowing experience.

    What should borrowers watch for next?

    Borrowers interested in Molo’s semi-commercial mortgages should keep an eye on the evolving market of commercial mortgage offerings. With the current rates and terms, it’s essential to assess how these products fit into broader investment strategies, especially as market conditions change. Additionally, staying informed about Molo’s partnership with LMS could provide insights into improved service delivery in the mortgage process.

    Frequently asked questions

    What types of properties qualify for Molo’s semi-commercial mortgage?

    Properties that combine residential and commercial elements qualify, provided the commercial part does not exceed 40% of the total floor area.

    What are the interest rates for Molo’s semi-commercial mortgages?

    Interest rates start from 6.55% for loans at 75% LTV and 6.85% for loans at 65% LTV.

  • Molo Introduces Semi-Commercial Mortgage Proposition

    Molo Introduces Semi-Commercial Mortgage Proposition

    Molo has unveiled a new semi-commercial mortgage offering aimed at UK domestic borrowers, expanding their product range in the commercial mortgage sector. This development is significant as it allows investors and landlords to secure financing for properties that blend residential and commercial uses, catering to a growing market demand.

    TL;DR: Molo’s new semi-commercial mortgage allows loans from £45,000 to £3 million, with LTVs up to 75% for non-fire risk properties. This is beneficial for landlords seeking to finance mixed-use properties.

    What are the key features of Molo’s semi-commercial mortgage?

    The semi-commercial mortgage from Molo offers loan amounts ranging from £45,000 to £3 million. Borrowers can access up to 75% loan-to-value (LTV) for properties that do not pose fire risks, while those with fire risks can secure up to 65% LTV on a case-by-case basis. Importantly, the commercial component of the property must not exceed 40% of the total floor area.

    How does this mortgage benefit landlords and investors?

    This new proposition is particularly advantageous for landlords and property investors looking to finance mixed-use properties. With the ability to secure significant funding, landlords can invest in or enhance properties that combine residential and commercial spaces, potentially increasing rental income and property value.

    What this means for the commercial mortgage market

    The introduction of Molo’s semi-commercial mortgage is a notable shift in the commercial mortgage market, reflecting the increasing interest in mixed-use properties. This product could stimulate investment in the sector, offering more options for borrowers and potentially leading to greater competition among lenders.

    Frequently asked questions

    What types of properties qualify for Molo’s semi-commercial mortgage?

    Properties that qualify must have a commercial element that does not exceed 40% of the total floor area, with specific LTV limits depending on fire risk status.

    What are the interest rates for this mortgage product?

    Interest rates for Molo’s semi-commercial mortgage start at 6.55% for 75% LTV and 6.85% for 65% LTV, available only on five-year fixed-rate products.

  • InterBay and Together Reduce Commercial and Bridging Rates

    InterBay and Together Reduce Commercial and Bridging Rates

    InterBay Cuts Commercial Rates

    InterBay has announced significant reductions in rates for its commercial investment and semi-commercial limited-edition products. The lender has lowered the rates on its two-year fixed products by 0.5% and its five-year fixed products by 0.2%. Marc Callaghan, head of commercial lending at InterBay, emphasized that these adjustments reflect their commitment to supporting brokers and clients in a rapidly evolving market. By reducing rates by up to 50 basis points across limited-edition products, InterBay aims to facilitate smoother deal structuring and enhance outcomes for investors.

    Together Lowers Bridging Rates

    In a similar move, Together has reduced rates across its unregulated bridging products by 0.05%. This adjustment is designed to improve affordability for borrowers at higher loan-to-value (LTV) tiers. The unregulated bridging products are available for loans ranging from £26,000 to £5 million, providing dual solicitor representation on qualifying cases and offering 100% funding, subject to additional checks. The starting rates for first charge unregulated residential bridging are now at 0.9%, while semi-commercial and commercial properties are at 1.04% and 1.08%, respectively. For second charge unregulated residential bridging, rates start from 1.08%, with semi-commercial and commercial rates at 1.06% and 1.1% respectively.

    Practical Impact on Borrowers

    The recent rate cuts from InterBay and Together are likely to have a positive impact on borrowers looking for commercial and bridging finance. For instance, a property investor considering a £500,000 semi-commercial property could see significant savings on their mortgage payments due to these reduced rates. With the UK base rate currently at 3.75%, these lower rates can enhance cash flow and make property investments more attractive. The focus on affordability and flexible lending options is crucial for brokers, investors, and landlords navigating today’s lending landscape.

    Market Context

    These rate reductions come at a time when the UK property market is experiencing fluctuations influenced by economic factors such as inflation and interest rates. The Bank of England’s base rate, currently at 3.75%, has been a critical consideration for lenders and borrowers alike. As lenders like InterBay and Together adapt their rates, they are responding to both market pressures and the need to remain competitive. This adaptability is essential for attracting investors who are keen on capitalising on opportunities in the commercial and bridging sectors.

  • Commercial Mortgage Rates 2026: What to Expect & How to Compare

    Commercial Mortgage Rates 2026: What to Expect & How to Compare

    TL;DR: Current commercial mortgage rates in the UK for 2026 — including fixed vs variable options, how rates are set, and what affects the deal you are offered.

    Key Takeaways

    • Specialist brokers can access deals not available on comparison sites or the high street
    • Every borrower’s situation is different — criteria vary significantly between lenders
    • Getting the right advice early saves time, money, and rejected applications

    What You Need to Know

    This is a topic that many borrowers find confusing, and for good reason — the criteria and options vary significantly depending on your circumstances, the property, and the lender. In this guide, we break down everything you need to know to make an informed decision.

    Whether you’re a first-time applicant or an experienced investor, understanding the landscape will help you secure the best possible deal. The UK mortgage market offers more specialist products than most people realise, but accessing them often requires expert guidance.

    How It Works

    The process typically starts with understanding your options and getting an agreement in principle. From there, a specialist broker can match you with lenders whose criteria fit your specific situation — something that’s particularly important in specialist lending where one-size-fits-all approaches rarely work.

    Lender criteria in this area can be surprisingly varied. What one lender rejects, another may actively welcome. This is why working with a broker who specialises in this area can make the difference between approval and rejection.

    Finding the Right Broker

    A specialist mortgage broker with experience in this area can save you time and money by matching you with the right lender first time. They’ll understand the nuances that generalist brokers might miss, and they’ll have relationships with lenders who specialise in exactly this type of lending.

    Find a specialist broker on Mortgage118 — compare whole-of-market brokers who specialise in this area, read verified reviews, and get matched with an expert who understands your needs.

    Frequently Asked Questions

    How do I find a specialist broker for this type of mortgage?

    Use a broker directory like Mortgage118 to search for brokers who specialise in this area. Look for whole-of-market brokers with specific experience and verified client reviews.

    How long does the application process take?

    Timelines vary depending on the complexity of your application and the lender. A straightforward case might complete in 4-6 weeks, while more complex situations could take 8-12 weeks. Your broker will give you a realistic timeline upfront.

    Do I need a larger deposit for specialist mortgages?

    It depends on the type of mortgage and your circumstances. Some specialist products require higher deposits than standard residential mortgages, but there are options across a range of LTVs. A broker can advise on what’s realistic for your situation.

    Your home may be repossessed if you do not keep up repayments on your mortgage.

    Article reviewed by David Sampson, CeMAP qualified mortgage specialist.

  • Commercial Mortgage vs Business Loan: Which Do You Need?

    Commercial Mortgage vs Business Loan: Which Do You Need?

    TL;DR: Compare commercial mortgages and business loans side by side. Understand when to use each, their costs, terms, and which is right for your property or business purchase.

    Key Takeaways

    • Specialist brokers can access deals not available on comparison sites or the high street
    • Every borrower’s situation is different — criteria vary significantly between lenders
    • Getting the right advice early saves time, money, and rejected applications

    What You Need to Know

    This is a topic that many borrowers find confusing, and for good reason — the criteria and options vary significantly depending on your circumstances, the property, and the lender. In this guide, we break down everything you need to know to make an informed decision.

    Whether you’re a first-time applicant or an experienced investor, understanding the landscape will help you secure the best possible deal. The UK mortgage market offers more specialist products than most people realise, but accessing them often requires expert guidance.

    How It Works

    The process typically starts with understanding your options and getting an agreement in principle. From there, a specialist broker can match you with lenders whose criteria fit your specific situation — something that’s particularly important in specialist lending where one-size-fits-all approaches rarely work.

    Lender criteria in this area can be surprisingly varied. What one lender rejects, another may actively welcome. This is why working with a broker who specialises in this area can make the difference between approval and rejection.

    Finding the Right Broker

    A specialist mortgage broker with experience in this area can save you time and money by matching you with the right lender first time. They’ll understand the nuances that generalist brokers might miss, and they’ll have relationships with lenders who specialise in exactly this type of lending.

    Find a specialist broker on Mortgage118 — compare whole-of-market brokers who specialise in this area, read verified reviews, and get matched with an expert who understands your needs.

    Frequently Asked Questions

    How do I find a specialist broker for this type of mortgage?

    Use a broker directory like Mortgage118 to search for brokers who specialise in this area. Look for whole-of-market brokers with specific experience and verified client reviews.

    How long does the application process take?

    Timelines vary depending on the complexity of your application and the lender. A straightforward case might complete in 4-6 weeks, while more complex situations could take 8-12 weeks. Your broker will give you a realistic timeline upfront.

    Do I need a larger deposit for specialist mortgages?

    It depends on the type of mortgage and your circumstances. Some specialist products require higher deposits than standard residential mortgages, but there are options across a range of LTVs. A broker can advise on what’s realistic for your situation.

    Your home may be repossessed if you do not keep up repayments on your mortgage.

    Article reviewed by David Sampson, CeMAP qualified mortgage specialist.

  • Commercial Mortgage Deposit: How Much Do You Need?

    Commercial Mortgage Deposit: How Much Do You Need?

    TL;DR: How much deposit you need for a commercial mortgage in the UK, typically 25-40% depending on property type, your experience, and the lender. Tips to reduce your deposit.

    Key Takeaways

    • Specialist brokers can access deals not available on comparison sites or the high street
    • Every borrower’s situation is different — criteria vary significantly between lenders
    • Getting the right advice early saves time, money, and rejected applications

    What You Need to Know

    This is a topic that many borrowers find confusing, and for good reason — the criteria and options vary significantly depending on your circumstances, the property, and the lender. In this guide, we break down everything you need to know to make an informed decision.

    Whether you’re a first-time applicant or an experienced investor, understanding the landscape will help you secure the best possible deal. The UK mortgage market offers more specialist products than most people realise, but accessing them often requires expert guidance.

    How It Works

    The process typically starts with understanding your options and getting an agreement in principle. From there, a specialist broker can match you with lenders whose criteria fit your specific situation — something that’s particularly important in specialist lending where one-size-fits-all approaches rarely work.

    Lender criteria in this area can be surprisingly varied. What one lender rejects, another may actively welcome. This is why working with a broker who specialises in this area can make the difference between approval and rejection.

    Finding the Right Broker

    A specialist mortgage broker with experience in this area can save you time and money by matching you with the right lender first time. They’ll understand the nuances that generalist brokers might miss, and they’ll have relationships with lenders who specialise in exactly this type of lending.

    Find a specialist broker on Mortgage118 — compare whole-of-market brokers who specialise in this area, read verified reviews, and get matched with an expert who understands your needs.

    Frequently Asked Questions

    How do I find a specialist broker for this type of mortgage?

    Use a broker directory like Mortgage118 to search for brokers who specialise in this area. Look for whole-of-market brokers with specific experience and verified client reviews.

    How long does the application process take?

    Timelines vary depending on the complexity of your application and the lender. A straightforward case might complete in 4-6 weeks, while more complex situations could take 8-12 weeks. Your broker will give you a realistic timeline upfront.

    Do I need a larger deposit for specialist mortgages?

    It depends on the type of mortgage and your circumstances. Some specialist products require higher deposits than standard residential mortgages, but there are options across a range of LTVs. A broker can advise on what’s realistic for your situation.

    Your home may be repossessed if you do not keep up repayments on your mortgage.

    Article reviewed by David Sampson, CeMAP qualified mortgage specialist.

  • Shawbrook’s IPO: A Major Shift in the UK Mortgage Landscape

    Shawbrook’s IPO: A Major Shift in the UK Mortgage Landscape

    Recent developments in the UK mortgage market continue to shape the lending landscape. Shawbrook bank set for listing in biggest IPO so far this year | Property Week represents another significant development in the evolving mortgage sector. These changes reflect ongoing adjustments in lender strategies, regulatory requirements, and market conditions affecting both residential and buy-to-let mortgage products across the UK.