Properties with an EPC rating of C or above
| Features
|
LTV | Mortgage type |
Term |
Starting rate |
Reversion margin* |
Arrangement fee |
|
|
Limited edition
|
75% | Fixed |
2 years |
7.19% |
3.19% |
3% |
|
 Close product information
The loan
Repayment terms available?
Interest-only terms available?
Bank of England Base Rate (BBR)
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)
Missed secured loan payments
First-time landlords accepted?
Professional landlords accepted?
The fees and charges
3% 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
£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…
Having trouble placing a case?
Speak to your specialist finance account manager today.
|
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?
Bank of England Base Rate (BBR)
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)
Missed secured loan payments
First-time landlords accepted?
Professional landlords accepted?
The fees and charges
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
£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…
Having trouble placing a case?
Speak to your specialist finance account manager today.
|
1 |
1 |
1 |
1 |
1 |
1 |
|
|
75% | Fixed |
2 years |
6.54% |
2.54% |
5% |
|
Close product information
The loan
Repayment terms available?
Interest-only terms available?
Bank of England Base Rate (BBR)
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)
Missed secured loan payments
First-time landlords accepted?
Professional landlords accepted?
The fees and charges
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
£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…
Having trouble placing a case?
Speak to your specialist finance account manager today.
|
1 |
1 |
1 |
1 |
1 |
1 |
|
Limited edition
|
75% | Fixed |
5 years |
7.04% |
3.04% |
3% |
|
Close product information
The loan
Repayment terms available?
Interest-only terms available?
Bank of England Base Rate (BBR)
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)
Missed secured loan payments
First-time landlords accepted?
Professional landlords accepted?
The fees and charges
3% 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
£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…
Having trouble placing a case?
Speak to your specialist finance account manager today.
|
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?
Bank of England Base Rate (BBR)
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)
Missed secured loan payments
First-time landlords accepted?
Professional landlords accepted?
The fees and charges
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
£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…
Having trouble placing a case?
Speak to your specialist finance account manager today.
|
1 |
1 |
1 |
1 |
1 |
1 |
|
|
75% | Fixed |
5 years |
6.99% |
2.99% |
5% |
|
Close product information
The loan
Repayment terms available?
Interest-only terms available?
Bank of England Base Rate (BBR)
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)
Missed secured loan payments
First-time landlords accepted?
Professional landlords accepted?
The fees and charges
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
£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…
Having trouble placing a case?
Speak to your specialist finance account manager today.
|
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
|
75% | Fixed |
2 years |
7.39% |
3.39% |
3% |
|
Close product information
The loan
Repayment terms available?
Interest-only terms available?
Bank of England Base Rate (BBR)
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)
Missed secured loan payments
First-time landlords accepted?
Professional landlords accepted?
The fees and charges
3% 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
£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…
Having trouble placing a case?
Speak to your specialist finance account manager today.
|
1 |
1 |
1 |
1 |
1 |
1 |
|
|
75% | Fixed |
2 years |
8.09% |
4.09% |
2% |
|
Close product information
The loan
Repayment terms available?
Interest-only terms available?
Bank of England Base Rate (BBR)
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)
Missed secured loan payments
First-time landlords accepted?
Professional landlords accepted?
The fees and charges
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
£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…
Having trouble placing a case?
Speak to your specialist finance account manager today.
|
1 |
1 |
1 |
1 |
1 |
1 |
|
|
75% | Fixed |
2 years |
6.74% |
2.74% |
5% |
|
Close product information
The loan
Repayment terms available?
Interest-only terms available?
Bank of England Base Rate (BBR)
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)
Missed secured loan payments
First-time landlords accepted?
Professional landlords accepted?
The fees and charges
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
£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…
Having trouble placing a case?
Speak to your specialist finance account manager today.
|
1 |
1 |
1 |
1 |
1 |
1 |
|
Limited edition
|
75% | Fixed |
5 years |
7.24% |
3.24% |
3% |
|
Close product information
The loan
Repayment terms available?
Interest-only terms available?
Bank of England Base Rate (BBR)
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)
Missed secured loan payments
First-time landlords accepted?
Professional landlords accepted?
The fees and charges
3% 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
£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…
Having trouble placing a case?
Speak to your specialist finance account manager today.
|
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?
Bank of England Base Rate (BBR)
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)
Missed secured loan payments
First-time landlords accepted?
Professional landlords accepted?
The fees and charges
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
£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…
Having trouble placing a case?
Speak to your specialist finance account manager today.
|
1 |
1 |
1 |
1 |
1 |
1 |
|
|
75% | Fixed |
5 years |
7.19% |
3.19% |
5% |
|
Close product information
The loan
Repayment terms available?
Interest-only terms available?
Bank of England Base Rate (BBR)
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)
Missed secured loan payments
First-time landlords accepted?
Professional landlords accepted?
The fees and charges
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
£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…
Having trouble placing a case?
Speak to your specialist finance account manager today.
|
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.
**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.
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Joshua.williams@osb.co.uk
01634 835028
