Bridging loans | Mortgage rates | InterBay Commercial

OUR LOWEST RATE

Semi-commercial

60% LTV

Initial rate 0.84%

Facility fee 2%

Product highlights

Up to 70% LTV available

Rates from 0.84%

Commercial and semi-commercial range

Conversions into flats

Download product guide

Commercial bridging finance

Products for properties with less than 55% residential value

LTV	Rates	Min loan	Facility fee
60%	0.90%	£125k	2%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Standard variable rate Not available Min loan £50,000 Maximum loan £1,000,000 Term 2-30 years Early repayment charges Fixed: 4% year one and 3% year two. 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 £0 fee Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager				1	1	1	1	1
70%	0.95%	£125k	2%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Standard variable rate Not available Min loan £50,000 Maximum loan £1,000,000 Term 2-30 years Early repayment charges Fixed: 4% year one, 3% year two, 3% year three, 3% year four and 3% year five. 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 2% arrangement fee, payable on completion, can be added to the loan and is non-refundable Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager				1	1	1	1	1

Semi-commercial bridging finance

Products for properties with 55% or more residential value

LTV	Rates	Min loan	Facility fee
60%	0.84%	£125k	2%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Standard variable rate Not available Min loan £50,000 Maximum loan £1,000,000 Term 2-30 years Early repayment charges Fixed: 4% year one and 3% year two. 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 £0 fee Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager				1	1	1	1	1
70%	0.89%	£125k	2%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Standard variable rate Not available Min loan £50,000 Maximum loan £1,000,000 Term 2-30 years Early repayment charges Fixed: 4% year one, 3% year two, 3% year three, 3% year four and 3% year five. 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 £0 fee Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager				1	1	1	1	1

Commercial and semi-commercial bridging finance

Cash flow funding for short term requirements
Buying property at auction
Meeting tight transaction deadlines
Landlord who want to make a quick purchase
Other uses considered on a case by case basis, contact your specialist finance account manager to discuss

Acceptable credit profile

CCJs

Nil (3 year history)*

Defaults

Nil (3 year history)*

Missed mortgage payments

None in the last 12 months

Missed secured loan payments

None in the last 12 months

Unsecured arrears

N/A

Bankruptcy

Nil (6 year history)

IVA

Nil (6 year history)

Repossession

Nil (6 year history)

Debt Management Programme

Nil (6 year history)

*The restrictions may apply in the following circumstances

Where all CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application;
Where all CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration;
Where the CCJs/defaults in aggregate amount to less than £300, regardless of date of registration, and satisfied prior to mortgage application.

Physical valuations

Full physical inspections for valuations will continue, and shall be conducted via our panel manager by way of a bespoke valuation quote.

Fees

A £145 administration fee is payable on submission and is non-refundable. A 2% facility fee, payable on completion, can be added to the loan and is non-refundable. Valuation fees should be paid on submission of application.

Current processing times

Bridging

Commercial
Semi-commercial
Buy to let and HMO
Bridging

AIP review

2 working days
Initial underwriting

4 working days
Formal offer review

4 working days
Additional correspondence and documents

4 working days

Submissions after 4pm will be considered as submitted the following working day.

Last updated 04-11-2025

AIP review

2 working days
Initial underwriting

4 working days
Formal offer review

4 working days
Additional correspondence and documents

4 working days

Submissions after 4pm will be considered as submitted the following working day.

Last updated 04-11-2025

AIP review

2 working days
Initial underwriting

4 working days
Formal offer review

4 working days
Additional correspondence and documents

4 working days

Submissions after 4pm will be considered as submitted the following working day.

Last updated 04-11-2025

AIP review

4 hours
Initial underwriting

24 hours
Formal offer review

24 hours
Additional correspondence and documents

24 hours

Submissions after 4pm will be considered as submitted the following working day.

Last updated 04-11-2025

AIP review

4 hours
Initial underwriting

24 hours
Formal offer review

24 hours
Additional correspondence and documents

24 hours

Submissions after 4pm will be considered as submitted the following working day.

Last updated 04-11-2025

Current processing times

Commercial

Rates

Semi-commercial

Buy to let and HMO

Bridging

Product transfers

Commercial

Semi-commercial

Buy to let and HMO

Bridging

Commercial

Literature

Semi-commercial

Literature

Buy to let and HMO

Literature

Bridging

Literature

Bridging finance

OUR LOWEST RATE

Semi-commercial

60% LTV

Initial rate 0.84%

Facility fee 2%

Product highlights

Commercial bridging finance

Products for properties with less than 55% residential value

Close account information

The loan

The applicant(s)

The fees and charges

Proceeding with an application

Having trouble placing a case?

Close account information

The loan

The applicant(s)

The fees and charges

Proceeding with an application

Having trouble placing a case?

Semi-commercial bridging finance

Products for properties with 55% or more residential value

Close account information

The loan

The applicant(s)

The fees and charges

Proceeding with an application

Having trouble placing a case?

Close account information

The loan

The applicant(s)

The fees and charges

Proceeding with an application

Having trouble placing a case?

Commercial and semi-commercial bridging finance

Acceptable credit profile

CCJs

Nil (3 year history)*

Defaults

Nil (3 year history)*

Missed mortgage payments

None in the last 12 months

Missed secured loan payments

None in the last 12 months

Unsecured arrears

N/A

Bankruptcy

Nil (6 year history)

IVA

Nil (6 year history)

Repossession

Nil (6 year history)

Debt Management Programme

Nil (6 year history)

*The restrictions may apply in the following circumstances

Physical valuations

Fees

Current processing times

2 working days

4 working days

4 working days