12:01 AM, 11th June 2026, 12 hours ago
Landlords with more complex portfolios, short-term lets or commercial property interests are being offered new mortgage options as lenders adjust their BTL ranges.
Paragon Bank has launched a Tailored service for buy to let applications that fall outside standard lending criteria.
CHL Mortgages has introduced limited-edition products from 2.7% and YBS Commercial Mortgages has cut five-year fixed rates across its new-business ranges.
Paragon’s Tailored BTL offering
Paragon’s Tailored service is aimed at brokers placing cases involving larger loan amounts, complex portfolios, non-standard ownership structures and landlords with varied tenant types.
The lender said the route may also support applications involving trusts, trading companies, landlords outside typical age parameters and applicants with limited experience in the sector.
Applications submitted through Tailored will be reviewed by dedicated underwriters, who will consider the structure of the landlord’s business.
They will also consider the nature of the property assets and the wider portfolio strategy.
Paragon’s managing director of mortgages, Louisa Sedgwick, said: “The buy to let market continues to evolve, with landlords operating increasingly diverse and often more complex businesses.
“Tailored has been developed to give brokers a clear route for those applications that don’t quite align with conventional structures, supported by direct access to experienced underwriters who can take a holistic view of each case.”
CHL unveils limited edition deals
Meanwhile, CHL Mortgages has launched limited-edition products, with rates starting from 2.70%, and reduced rates by 30bps across its short-term let range.
The specialist lender’s new products begin at 2.70% for single dwelling properties and 2.80% for HMO and multi-unit freehold block properties with up to six bedrooms or units.
CHL has also cut rates across its short-term let range, with products now starting from 3.16% for landlords letting properties for short periods, including holiday lets and serviced apartments.
The products are available to individual and limited company landlords, with up to 80% loan-to-value, a choice of fee options and free valuations on selected short-term lets.
CHL’s head of sales, Mil Consiglio, said: “This reflects our focus on delivering great value products for landlords who may be looking to diversify their portfolios and explore other investment opportunities.”
YBS offers new five-year deals
YBS Commercial Mortgages has reduced selected five-year fixed rates by 0.15% across its new business range.
The cuts apply to portfolio landlord buy to let deals, as well as specialist products for houses in multiple occupation and multi-unit freehold blocks.
Discounts are also being applied to owner-occupied, commercial investment and semi-commercial products for part-residential, part-commercial assets.
There are no changes to YBS Commercial’s two-year fixed-rate products.
The revised range includes a five-year fixed rate for buy-to-let clients at 4.90%, down from 5.05%, up to 55% loan-to-value, with a 3% fee.
For clients with a multi-unit freehold block, the lender is offering a five-year fix at 5.65%, down from 5.80%, up to 65% loan-to-value, with a 2% fee.
A five-year fixed rate for semi-commercial investors is now priced at 5.95%, reduced from 6.10%, up to 65% loan-to-value, with a 2% fee.
Angela Norman, the managing director of YBS Commercial Mortgages, said: “These reductions across our five-year fixed range demonstrate our ongoing commitment to supporting brokers and customers with better choice and value across a wide range of product options.”
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