The commercial lender’s largest reductions are up to 0.40% on its specialist product for housing of multiple occupancy (HMOs), for properties of up to six bedrooms.

Borrowers can now benefit from a five-year fix at a reduced rate of 5.00%, down from 5.40% up to 75% loan-to-value (LTV), with a 2% fee.

The lender has also reduced rates for its business owner-occupiers, who can now access a five-year fix at a competitive rate of 6.40%, down from 6.64% if borrowing more than £1 million, up to 75% LTV with a 2% fee.

YBS Commercial has also reduced rates across its BTL product range by up to 0.20%, with highlights including a five-year fix for buy-to-let clients at a competitive rate of 4.25%, down from 4.45% up to 70% LTV with a 5% fee.

Meanwhile, its commercial investment property range is now up to 0.15% cheaper.

YBS Commercial managing director Angela Norman says: “We’re proud to be delivering even greater value through our latest rate reductions and product enhancements. “These changes reflect our ongoing commitment to supporting brokers and their clients with competitive solutions that meet real-world needs.”

“Whether it’s landlords expanding portfolios, investors seeking stability, or business owners planning for growth, our refreshed range is designed to help them move forward with confidence.”

Meanwhile, Paragon Bank has cut rates across its range of BTL mortgages for single self-contained (SSC) properties, in addition to adding 1.50% fee five-year fixed-rate products to the range, among other changes.

All BTL mortgages in Paragon’s core range, available for the purchase or remortgage of SSC properties, have been reduced by 15 basis points for new customers.

Available at up to 80% LTV, rates now start from 3.14% on two-year fixed products for SSC properties with an EPC ratings of A to C, rising to 4.14% for five-year fixed rates.

In addition, 1.5% fixed-fee options have been added to the range of five-year fixed rate BTL mortgages across SSC, HMO and multi unit blocks (MUBs). These are available at 75% LTV, with rates on the 1.50% fee product starting at 4.90%.

Paragon has also trimmed prices across its limited-edition products for SSCs, available at up to 70% LTV and come with £500 cashback.

The lender’s two-year fixed 4% fee product now starts from 3.20% for properties with an EPC of A to C.

Paragon Bank product manager James Harrison comments: “Reducing rates across our whole range of mortgages for SSC properties provides more options for landlords who are still very much active in the market.”

“Additionally, our market analysis has identified the popularity of lower fee products, so we are offering greater choice to assist brokers in matching the right product for each application by adding this additional 1.5% fee option to our five-year fixed range.”

Molo has also made rate reductions of up to 14bps on its UK resident BTL two-year fixed rate product.

For standard BTL products, two-year fixed rates now start at 2.54%, while five-year fixed rates begin from 4.34%.

These are available for both individuals and limited company landlords.

Molo distribution director Martin Sims notes: “Brokers play a critical role in helping landlords secure the right financing. By reducing our rates, we are giving intermediaries stronger options and greater flexibility to support their clients – from first-time investors to seasoned portfolio landlords.”

Market Financial Solutions has trimmed prices across its commercial and semi-commercial BTL mortgage ranges, alongside enhancements to its fusion premier product.

The new rate reductions apply across both commercial and semi-commercial BTL fixed-rate tiers.

Alongside the rate cuts, Market Financial Solutions has also made several updates to its fusion premier product.

Borrowers can now benefit from rolled interest terms of up to nine months, deferred interest options of up to 2%.

Launched in September this year, the Fusion Premier loan range allows large residential property portfolios to be consolidated under a single facility at a lower annual rate.

Market Financial Solutions chief executive Paresh Raja explains: “The commercial property market has faced significant challenges in recent years. But we’re now beginning to see encouraging signs of recovery, with investor confidence gradually returning and demand stabilising across key sectors.”

On Monday, the Renters’ Rights Bill received Royal Assent, which will ban no-fault evictions and “rebalance” the relationships between England’s 11 million tenants and 2.3 million landlords, the government says.

The wide-ranging Act brings reforms to the private rented sector that were first pledged in the Conservative Party’s 2019 General Election manifesto.