LTV Mortgage type Term Initial rate Product fee Product code
55% Fixed 2 Years 5.74% 1.5% (1.25% existing borrower)

The loan

Repayment terms available?

Yes

Interest-only terms available?

Yes

Porting available?

No

Standard variable rate

Not available

Minimum loan

£150,000

Maximum loan

Not applicable

Term

2-30 years

Early repayment charges

Fixed: 4% year one, 3% for remaining fixed period, then 1% for the life of the loan 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC

The applicant(s)

CCJs

None in last 36 months

Defaults

None in last 36 months

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

N/A

Professional landlords accepted?

N/A

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% arrangement fee, payable on completion, can be added to the loan and is non-refundable.
Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history

Application fee

£145 administration fee is payable when the valuation is instructed, and is non-refundable

65% Fixed 2 Years 6.14% 1.5% (1.25% existing borrower)

The loan

Repayment terms available?

Yes

Interest-only terms available?

Yes

Porting available?

No

Standard variable rate

Not available

Minimum loan

£150,000

Maximum loan

Not applicable

Term

2-30 years

Early repayment charges

Fixed: 4% year one, 3% for remaining fixed period, then 1% for the life of the loan 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC

The applicant(s)

CCJs

None in last 36 months

Defaults

None in last 36 months

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

N/A

Professional landlords accepted?

N/A

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% arrangement fee, payable on completion, can be added to the loan and is non-refundable.
Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history

Application fee

£145 administration fee is payable when the valuation is instructed, and is non-refundable

55% Fixed 3 Years 5.74% 1.5% (1.25% existing borrower)

The loan

Repayment terms available?

Yes

Interest-only terms available?

Yes

Porting available?

No

Standard variable rate

Not available

Minimum loan

£150,000

Maximum loan

Not applicable

Term

2-30 years

Early repayment charges

Fixed: 4% year one, 3% year two, 3% for remaining fixed period, then 1% for the life of the loan 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC

The applicant(s)

CCJs

None in last 36 months

Defaults

None in last 36 months

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

N/A

Professional landlords accepted?

N/A

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% arrangement fee, payable on completion, can be added to the loan and is non-refundable.
Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history

Application fee

£145 administration fee is payable when the valuation is instructed, and is non-refundable

65% Fixed 3 Years 6.14% 1.5% (1.25% existing borrower)

The loan

Repayment terms available?

Yes

Interest-only terms available?

Yes

Porting available?

No

Standard variable rate

Not available

Minimum loan

£150,000

Maximum loan

Not applicable

Term

2-30 years

Early repayment charges

Fixed: 4% year one, 3% year two, 3% for remaining fixed period, then 1% for the life of the loan 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC

The applicant(s)

CCJs

None in last 36 months

Defaults

None in last 36 months

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

N/A

Professional landlords accepted?

N/A

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% arrangement fee, payable on completion, can be added to the loan and is non-refundable.
Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history

Application fee

£145 administration fee is payable when the valuation is instructed, and is non-refundable

55% Fixed 5 Years 5.84% 1.5% (1.25% existing borrower)

The loan

Repayment terms available?

Yes

Interest-only terms available?

Yes

Porting available?

No

Standard variable rate

Not available

Minimum loan

£150,000

Maximum loan

Not applicable

Term

2-30 years

Early repayment charges

Fixed: 4% year one, 3% year two, 3% year three, 3% year four, 3% for remaining fixed period, then 1% for the life of the loan 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC

The applicant(s)

CCJs

None in last 36 months

Defaults

None in last 36 months

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

N/A

Professional landlords accepted?

N/A

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% arrangement fee, payable on completion, can be added to the loan and is non-refundable.
Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history

Application fee

£145 administration fee is payable when the valuation is instructed, and is non-refundable

65% Fixed 5 Years 6.24% 1.5% (1.25% existing borrower)

The loan

Repayment terms available?

Yes

Interest-only terms available?

Yes

Porting available?

No

Standard variable rate

Not available

Minimum loan

£150,000

Maximum loan

Not applicable

Term

2-30 years

Early repayment charges

Fixed: 4% year one, 3% year two, 3% year three, 3% year four, 3% for remaining fixed period, then 1% for the life of the loan 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC

The applicant(s)

CCJs

None in last 36 months

Defaults

None in last 36 months

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

N/A

Professional landlords accepted?

N/A

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% arrangement fee, payable on completion, can be added to the loan and is non-refundable.
Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history

Application fee

£145 administration fee is payable when the valuation is instructed, and is non-refundable

Product highlights

Orange Tickmark

Up to 65% LTV

Orange Tickmark

Loans from £150k

Orange Tickmark

For property values over £2m, refer to your BDM

Orange Tickmark

Fee reduction for existing borrowers

Agreement

All of our products are subject to availability and may be withdrawn at any time.

At the end of any initial deal, the Interest rate will revert to the standard variable rate. The standard variable rate can vary in line with the general level of Interest rates and economic conditions.

Consumer buy to let mortgages are regulated by the Mortgage Credit Directive Order 2015. Buy to let loans are not regulated mortgages.

All of our products are subject to availability and may be withdrawn at any time.

At the end of any initial deal, the Interest rate will revert to the standard variable rate. The standard variable rate can vary in line with the general level of Interest rates and economic conditions.

Consumer buy to let mortgages are regulated by the Mortgage Credit Directive Order 2015. Buy to let loans are not regulated mortgages.

view more
green alert icon

This information is for mortgage professionals only and not intended for use by the general public. All rates, programmes and pricing are subject to change at any time and without prior notice. Mortgages are subject to valuation and approval.