Our lowest rate
5 year fixed rate

65% LTV

Initial rate 7.19%

Product fee 3%

(2.75% existing customers)

Product highlights

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Residential and commercial income can be considered

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No maximum loan amount

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No maximum property value

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0.25% reduction in fees for existing borrowers

LTV Mortgage type Term Initial rate Reversion rate Arrangement fee
65% Fixed 2 years 7.69% BBR + 2.44% 2%

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Bank of England Base Rate (BBR)

5.25%

Minimum loan

£200,000

Maximum loan

No maximum loan size

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

Maximum no. of applicants

No maximum

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…

Having trouble placing a case?

Speak to your specialist finance account manager today.

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1 1 1 1 1
65% Fixed 2 years 7.19% BBR + 1.94% 3%

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Bank of England Base Rate (BBR)

5.25%

Minimum loan

£200,000

Maximum loan

No maximum loan size

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

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.
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…

Having trouble placing a case?

Speak to your specialist finance account manager today.

erroriconPlease enter valid postcode

1 1 1 1 1
65% Fixed 5 years 7.39% BBR + 2.14% 2%

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Bank of England Base Rate (BBR)

5.25%

Minimum loan

£200,000

Maximum loan

No maximum loan size

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

Maximum no. of applicants

No maximum

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…

Having trouble placing a case?

Speak to your specialist finance account manager today.

erroriconPlease enter valid postcode

1 1 1 1 1
65% Fixed 5 years 7.19% BBR + 1.94% 3%

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Bank of England Base Rate (BBR)

5.25%

Minimum loan

£200,000

Maximum loan

No maximum loan size

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

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.
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…

Having trouble placing a case?

Speak to your specialist finance account manager today.

erroriconPlease enter valid postcode

1 1 1 1 1
75% Fixed 2 years 7.89% BBR + 2.64% 2%

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Bank of England Base Rate (BBR)

5.25%

Minimum loan

£200,000

Maximum loan

No maximum loan size

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

Maximum no. of applicants

No maximum

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…

Having trouble placing a case?

Speak to your specialist finance account manager today.

erroriconPlease enter valid postcode

1 1 1 1 1
75% Fixed 2 years 7.39% BBR + 2.14% 3%

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Bank of England Base Rate (BBR)

5.25%

Minimum loan

£200,000

Maximum loan

No maximum loan size

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

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.
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…

Having trouble placing a case?

Speak to your specialist finance account manager today.

erroriconPlease enter valid postcode

1 1 1 1 1
75% Fixed 5 years 7.59% BBR + 2.34% 2%

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Bank of England Base Rate (BBR)

5.25%

Minimum loan

£200,000

Maximum loan

No maximum loan size

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

Maximum no. of applicants

No maximum

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…

Having trouble placing a case?

Speak to your specialist finance account manager today.

erroriconPlease enter valid postcode

1 1 1 1 1
75% Fixed 5 years 7.39% BBR + 2.14% 3%

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Bank of England Base Rate (BBR)

5.25%

Minimum loan

£200,000

Maximum loan

No maximum loan size

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

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.
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…

Having trouble placing a case?

Speak to your specialist finance account manager today.

erroriconPlease enter valid postcode

1 1 1 1 1

Current processing times

Semi-commercial
  • Commercial
  • Semi-commercial
  • Buy to let and HMO
  • AIP review

    36 hours

  • Initial underwriting

    2 working days

  • Formal offer review

    2 working days

  • Additional correspondence and documents

    2 working days

alerticon

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

Last updated 24-04-2024

  • AIP review

    36 hours

  • Initial underwriting

    2 working days

  • Formal offer review

    2 working days

  • Additional correspondence and documents

    2 working days

alerticon

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

Last updated 24-04-2024

  • AIP review

    36 hours

  • Initial underwriting

    2 working days

  • Formal offer review

    2 working days

  • Additional correspondence and documents

    2 working days

alerticon

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

Last updated 24-04-2024

  • AIP review

    36 hours

  • Initial underwriting

    2 working days

  • Formal offer review

    2 working days

  • Additional correspondence and documents

    2 working days

alerticon

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

Last updated 24-04-2024

Current processing times

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Dave

Davey Gurm

Specialist Finance Account Manager
Areas covered

London and Greater London

info

I joined the team as a specialist finance account manager in 2021 after holding similar roles at a number of other financial services companies. I enjoy interacting with brokers and am dedicated to supporting our ongoing commitment to strengthen relationships with all of our intermediary partners.

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Kevin

Kevin Beale

Specialist Finance Account Manager
Areas covered

Midlands

info

I joined the company more than seven years ago, initially as national sales manager, then as new build distribution manager, before moving over to my current role. I love working closely with my broker partners and helping them to access products that their clients might struggle to get on the high street.

'BR','CM','CO','CR','CT','DA','e','EC','IG','IP','ME','n','NR','NW','RM','SE','SM','SS','SW','TN','w'
Mo Parmer (1)

Mohinder Parmar

Specialist Finance Account Manager
Areas covered

London and South East

info

I joined the group in 2022 after more than 20 years of experience working in banking, first as a private banker then as a relationship manager looking after my broker partners. The thing I love especially about specialist lending is that every case I receive is different with its own set of challenges, so when I’m able to finally get it over the line it gives me a real sense of achievement. I’m really looking to helping you with your complex cases and showing off our exciting proposition.

'BA','BH','BN','BS','CF','DT','GU','KT','NP','PO','RH','SA','SO','SP','TA','TW','UB'
Charlootte

Charlotte Parker

Specialist Finance Account Manager
Areas covered

South West

info

I’ve been supporting brokers in South West ever since joining the company in April 2019. With nearly 20 years of experience working in financial services, I’ve developed a detailed knowledge of the mortgage market which means I’m perfectly placed to help you with your cases. Whatever support you need, I’m here to provide solutions to complex cases, and diffuse and resolve any issues that may arise during the processing of an application.

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.