Buy to let & HMO mortgage lenders | InterBay

Our lowest rate

5 year fixed rate

75% LTV

Initial rate 6.39%

Product fee 5%

Product highlights

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Personal ownership and Limited Company allowed

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No maximum loan size

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No maximum property value

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HMOs/MUFBs of any size accepted

Download product guide

LTV	Mortgage type	Term	Initial rate	Reversion rate	Arrangement fee
75%	Fixed	2 years	6.79%	BBR + 1.54%	3%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 5.25% Minimum loan £1,000,000 Maximum loan No maximum loan size Term 2-30 years Early repayment charges Fixed: 4% year one, 3% for remaining fixed period. 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? Yes Professional landlords accepted? Yes Maximum no. of applicants No maximum Ages 18-85 (end of term) The fees and charges Arrangement fee 3% 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	1
75%	Fixed	5 years	6.39%	BBR + 1.14%	5%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 5.25% Minimum loan £1,000,000 Maximum loan No maximum loan size Term 2-30 years Early repayment charges Fixed: 4% year one, 3% for remaining fixed period. 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? Yes Professional landlords accepted? Yes Maximum no. of applicants No maximum Ages 18-85 (end of term) The fees and charges Arrangement fee 5% 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	1
75%	Fixed	5 years	6.59%	BBR + 1.34%	4%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 5.25% Minimum loan £1,000,000 Maximum loan No maximum loan size Term 2-30 years Early repayment charges Fixed: 4% year one, 3% for remaining fixed period. 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? Yes Professional landlords accepted? Yes Maximum no. of applicants No maximum Ages 18-85 (end of term) The fees and charges Arrangement fee 4% 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	1

Current processing times

Buy to let and HMO

Commercial
Semi-commercial
Buy to let and HMO

AIP review

3 working days
Initial underwriting

3 working days
Formal offer review

3 working days
Additional correspondence and documents

3 working days

alerticon

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

Last updated 09-12-2023

AIP review

3 working days
Initial underwriting

3 working days
Formal offer review

3 working days
Additional correspondence and documents

3 working days

alerticon

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

Last updated 09-12-2023

AIP review

3 working days
Initial underwriting

3 working days
Formal offer review

3 working days
Additional correspondence and documents

3 working days

alerticon

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

Last updated 09-12-2023

AIP review

3 working days
Initial underwriting

3 working days
Formal offer review

3 working days
Additional correspondence and documents

3 working days

alerticon

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

Last updated 09-12-2023

Current processing times

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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.