Commercial owner occupier products

If your client is looking to purchase or refinance a property to run their business from, we’ve got the solution for them. We consider most asset classes with no maximum property value or loan amount up to 75% LTV.

Take a look at our range of products below and discover how we could support your next case.

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Our lowest rate

2 year fixed rate

65% LTV

Starting rate 6.59%

Product fee 4%

(3.75% existing customers)

Product highlights

Lower rates for EPC rating C+

Purchase and remortgage limited edition products

Lower 1%, 2% and 4% fee options

No max loan amount or property value

0.25% reduction in arrangement fees for existing borrowers**

Download product guide

Properties with an EPC rating of C or above

Features	LTV	Mortgage type	Term	Starting rate	Reversion margin*	Arrangement fee
Limited edition	65%	Fixed	2 years	7.84%	3.84%	1%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £1m Max loan £15m Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 1% 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 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 Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	2 years	7.49%	3.49%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% 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 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 Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	2 years	6.59%	2.59%	4%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max 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. 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 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 Please enter valid postcode							1	1	1	1	1	1
Limited edition	65%	Fixed	5 years	7.29%	3.29%	1%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £1m Max loan £15m Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 1% 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 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 Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	5 years	7.24%	3.24%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% 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 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 Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	5 years	6.94%	2.94%	4%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max 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. 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 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 Please enter valid postcode							1	1	1	1	1	1
Limited edition	75%	Fixed	2 years	8.04%	4.04%	1%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £1m Max loan £15m Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 1% 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 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 Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	2 years	7.69%	3.69%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% 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 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 Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	2 years	6.79%	2.79%	4%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max 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. 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 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 Please enter valid postcode							1	1	1	1	1	1
Limited edition	75%	Fixed	5 years	7.49%	3.49%	1%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £1m Max loan £15m Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 1% 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 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 Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	5 years	7.44%	3.44%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% 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 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 Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	5 years	7.14%	3.14%	4%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max 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. 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 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 Please enter valid postcode							1	1	1	1	1	1

*Reversion rate is calculated using starting rate or BBR + reversion margin, whichever is higher. In all cases the Starting Rate at completion is the lowest rate payable regardless of future changes to the Bank of England Base Rate. The interest year for InterBay is calculated over 360 days. BBR is subject to a floor of 0.75% (if BBR exceeds 3% the floor resets to 3%). EPC eligibility: the EPC must have been issued within the last 5 years if rated A/B or in the last 2 years if rated C. Where a property has multiple EPC ratings, then the lowest EPC rating will be used.

Owner occupier products - qualifying conditions

To qualify, each property securing the loan must be predominately used for the applicants’ own business purpose, this can’t include generating income from the property. Our underwriters determine the predominate use by considering factors including value, square footage and productivity (income generated). Applications that don’t qualify for our owner occupier products will be assessed under our commercial investment products.

Properties with an EPC rating of D or below

Features	LTV	Mortgage type	Term	Starting rate	Reversion margin*	Arrangement fee
Limited edition	65%	Fixed	2 years	8.04%	4.04%	1%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £1m Max loan £15m Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 1% 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 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 Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	2 years	7.69%	3.69%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% 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 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 Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	2 years	6.79%	2.79%	4%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max 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. 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 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 Please enter valid postcode							1	1	1	1	1	1
Limited edition	65%	Fixed	5 years	7.49%	3.49%	1%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £1m Max loan £15m Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 1% 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 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 Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	5 years	7.44%	3.44%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% 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 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 Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	5 years	7.14%	3.14%	4%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max 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. 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 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 Please enter valid postcode							1	1	1	1	1	1
Limited edition	75%	Fixed	2 years	8.24%	4.24%	1%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £1m Max loan £15m Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 1% 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 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 Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	2 years	7.89%	3.89%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% 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 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 Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	2 years	6.99%	2.99%	4%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max 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. 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 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 Please enter valid postcode							1	1	1	1	1	1
Limited edition	75%	Fixed	5 years	7.69%	3.69%	1%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £1m Max loan £15m Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 1% 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 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 Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	5 years	7.64%	3.64%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% 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 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 Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	5 years	7.34%	3.34%	4%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.00% Min loan £125,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 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 Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max 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. 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 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 Please enter valid postcode							1	1	1	1	1	1

Owner occupier products - qualifying conditions

**To qualify for the 0.25% existing borrower arrangement fee reduction, you must have a clear six-month payment track record and meet one of the following conditions:

Be under the same personal ownership or limited company (with the same shareholders/directors).
You must match the shareholder in a limited company if under a personal ownership case (with shareholder having a 100% share).
You must be an existing joint applicant with a current facility in personal names. If your next loan with us is under a limited company ownership, the shareholding must mirror the current facility.

Current processing times

Commercial

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 22-10-2025

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 22-10-2025

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 22-10-2025

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 22-10-2025

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 22-10-2025

Current processing times

'BN','BR','CT','DA','GU','ME','RH','SS','TN'

Jack Cope

Specialist Finance Account Manager

Areas covered

South West & Wales

As a specialist finance account manager at InterBay, my mission is simple: to cut through complexity and help brokers solve even the toughest cases. With experience working within all lending sectors across the South East, including roles as a phone and field BDM, I bring a practical yet creative mindset to every challenge. I’m genuinely passionate about working alongside brokers, uncovering tailored solutions, and showcasing what makes InterBay stand out as a lender.

Joshua Williams

Office BDM

I joined the business in 2022 as part of the Broker Liaison Team, and progressed to the role of Senior Broker Liaison Coordinator in 2023. I enjoy working closely with brokers and handling quirkier and complex commercial cases from start to finish. I enjoy problem solving, so feel free to contact me with any criteria-based queries. My goal is to support you and keep you updated on your case from AIP through to completion.

Joshua.williams@osb.co.uk

01634 835028

Peter Coombes

Bridging Specialist Finance Account Manager

I’ve been working as a business development manager for the company since 2019. With a detailed knowledge of the market after previous roles as a broker and mortgage advisor, I understand the challenges you and your clients face, and am ready to assist you with your cases. There’s nothing I enjoy more than getting out-and-about to meet brokers and showing you how we can help with our specialist solutions.

Pete.coombes@osb.co.uk

07432 693022

Amit Kumar

Bridging Office BDM

I started with the company in 2016 and have worked in a number of positions during my time here. After starting in the contact centre, I was promoted to a specialist role in 2018 before being given the opportunity to join the sales support team as a sales consultant in 2019. I love my current role as an office-based BDM as it gives me the opportunity to interact with brokers on a daily basis and work together to help achieve our mutual goal of providing the best possible service for your clients.

Amit.kumar@osb.co.uk

03332 407095

'BH','PO','SO','SP'

Jack Cope