Existing commercial customers
YBS are committed to help our commercial customers get the most from their mortgages.
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Contact us
Call us
Our portfolio team are here to help.
0333 414 1109
Excluding bank holidays
Calls to 03 numbers are charged at the same rate as 01 or 02 from all phones.
Email us
Admin team
Contact our Admin team for:
statement requests
general account enquiries
overpayments
redemptions
Securities team
Contact our Securities team for:
new leases
other property related requests
company structure changes
loan variations
Relationship team
Contact our Relationship team for:
sale of security properties
annual review documentation
requests for payment assistance
Business team
Contact our New Business team for
new or additional lending request
Important information
Please keep us updated if:
You have any new leases or lease renewals.
You wish to sell all or part of the security property/ties.
There are any changes in any of your personal or business circumstances, including any changes to Directors or Shareholders.
You have any concerns around your ability to pay your mortgage.
We may contact you:
For an update as part of an account review.
To arrange a periodic revaluation of the security properties.
Upon expiry of a lease or HMO license.
To collect your annual business accounts and updated property schedule.
To gather updated information about your personal circumstances or company structure.
Our fee and charges
Download our latest fees and charges:
Frequently asked questions
Statements
We send annual mortgage statements by post every January. Interest statements are issued after the current tax year ends and include details of your new contractual Direct Debit payment amount.
Contact our admin team at commerciallendingadminteam@ybs.co.uk or phone on 0333 414 1109.
Please note: There may be a fee for an interim mortgage statement.
Please note: There may be a fee for an interim mortgage statement.
Contact our admin team at commerciallendingadminteam@ybs.co.uk or phone on 0333 414 1109. You can also click on the Contact tab above and go to ‘Request redemption statement’ to make a request online.
Payments
Contact our admin team at commerciallendingadminteam@ybs.co.uk or phone on 0333 414 1109.
Please note: We will need evidence of source of funds to meet our anti-money laundering requirements.
Please note: We will need evidence of source of funds to meet our anti-money laundering requirements.
Contact our admin team at commerciallendingadminteam@ybs.co.uk or phone on 0333 414 1109.
Please note: We will need evidence of source of funds to meet our anti-money laundering requirements. Early repayment charges may apply.
Please note: We will need evidence of source of funds to meet our anti-money laundering requirements. Early repayment charges may apply.
This may be due to your arrangement fee or other fees being added to the loan throughout the term.
To find out if you have an early repayment charge, and how much it is, check your mortgage offer letter. If you have a mortgage with more than one part, you will need to check each part as they might be different.
Your allowances reset annually on the anniversary of the day you opened the mortgage.
This means that you can pay up to the allowance every year without getting an early repayment charge.
This means that you can pay up to the allowance every year without getting an early repayment charge.
How much an early repayment charge would be depends on a number of things including the balance on your mortgage and how much you want to pay early. Early repayment charges vary depending on the terms of your mortgage.
Most mortgages have an overpayment allowance. This means you can overpay a certain amount each year without needing to pay additional charges. See your mortgage offer letter for details of early repayment charges that could apply to you.
Managing your mortgage
Please contact our Securities team by email at commerciallendingsecurities@ybs.co.uk.
We do not currently have the facility to allow you to access your commercial mortgage account online.
Please fill out our Letter of Authority form. This must be signed by all parties to the mortgage. To request a Letter of Authority form, please contact us on 0333 414 1109 or email commerciallendingadminteam@ybs.co.uk.
Please note: The authority is solely for the purpose of information exchange. Any changes to the mortgage will need to be asked for by the account holder(s).
Please fill out our Change of Address form. This must be signed by all parties to the mortgage. To request a Change of Address form, please contact us 0333 414 1109 or email commerciallendingadminteam@ybs.co.uk.
Please note: We will not amend your personal address as a result of your email, but if you do wish to change this, please write to us on a separate correspondence.
If you have a YBS Commercial Mortgage account, you can either phone us on 0333 414 1109 or download and complete our YBS Direct Debit mandate form
Please note: the monthly payment must come from an account in the same name as your mortgage.
Send your completed form to the address on the form or, if you have any questions, phone on 0333 414 1109.
Please note: we need 10 working days to make these changes.
Contact our savings team by phone on 0345 1200 100.