Personal Buy to Let Criteria | YBS Commercial Mortgages | YBS
Product Criteria
Personal Buy to Let
Residential properties in a small portfolio, owned in personal name (sole trader) or partnership and let on standard AST agreements.
Available where one of the following apply:
Available where one of the following apply:
The requested loan or total requested aggregated personal BTL lending is over £3m.
The number of BTL properties charged to YBS will be 6 or more.
The number of mortgaged BTL properties of the applicant(s) with all lenders is 11 or more.
The requested loan is for a Holiday Let or HMO property.
This is because YBS commercial provide unregulated BTL loans.
Differences to Ltd Co BTL:
Differences to Ltd Co BTL:
Gross rental ICR of 140% at the prevailing product stress rate.
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Investment criteria
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