Our lowest rate
5 year fixed rate

60% LTV

Initial rate 4.69%

Product fee 1.5%

(1.25% existing customers)

Product highlights

Newtickmark

Residential and commercial income can be considered

Newtickmark

No maximum loan amount

Newtickmark

No maximum property value

Newtickmark

0.25% reduction in fees for existing borrowers

LTV Mortgage type Term Initial rate Product fee
60% Fixed 2 years 4.69% 1.5% (1.25% existing borrower)

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Standard variable rate

Not available

Minimum loan

£50,000

Maximum loan

No maximum loan size

Term

2-30 years

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

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% 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

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.

1 1 1 1 1
65% Fixed 2 years 4.79% 1.5% (1.25% existing borrower)

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Standard variable rate

Not available

Minimum loan

£50,000

Maximum loan

No maximum loan size

Term

2-30 years

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

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% 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

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.

1 1 1 1 1
70% Fixed 2 years 4.89% 1.5% (1.25% existing borrower)

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Standard variable rate

Not available

Minimum loan

£50,000

Maximum loan

No maximum loan size

Term

2-30 years

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

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% 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

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.

1 1 1 1 1
75% Fixed 2 years 4.99% 1.5% (1.25% existing borrower)

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Standard variable rate

Not available

Minimum loan

£50,000

Maximum loan

No maximum loan size

Term

2-30 years

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

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% 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

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.

1 1 1 1 1
60% Fixed 3 years 4.69% 1.5% (1.25% existing borrower)

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Standard variable rate

Not available

Minimum loan

£50,000

Maximum loan

No maximum loan size

Term

2-30 years

Early repayment charges

Fixed: 4% year one, 3% year two, 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

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% 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

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.

1 1 1 1 1
65% Fixed 3 years 4.79% 1.5% (1.25% existing borrower)

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Standard variable rate

Not available

Minimum loan

£50,000

Maximum loan

No maximum loan size

Term

2-30 years

Early repayment charges

Fixed: 4% year one, 3% year two, 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

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% 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

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.

1 1 1 1 1
70% Fixed 3 years 4.89% 1.5% (1.25% existing borrower)

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Standard variable rate

Not available

Minimum loan

£50,000

Maximum loan

No maximum loan size

Term

2-30 years

Early repayment charges

Fixed: 4% year one, 3% year two, 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

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% 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

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.

1 1 1 1 1
75% Fixed 3 years 4.99% 1.5% (1.25% existing borrower)

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Standard variable rate

Not available

Minimum loan

£50,000

Maximum loan

No maximum loan size

Term

2-30 years

Early repayment charges

Fixed: 4% year one, 3% year two, 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

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% 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

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.

1 1 1 1 1
60% Fixed 5 years 4.69% 1.5% (1.25% existing borrower)

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Standard variable rate

Not available

Minimum loan

£50,000

Maximum loan

No maximum loan size

Term

2-30 years

Early repayment charges

Fixed: 4% year one, 3% year two, 3% year three, 3% year four, 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

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% 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

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.

1 1 1 1 1
65% Fixed 5 years 4.79% 1.5% (1.25% existing borrower)

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Standard variable rate

Not available

Minimum loan

£50,000

Maximum loan

No maximum loan size

Term

2-30 years

Early repayment charges

Fixed: 4% year one, 3% year two, 3% year three, 3% year four, 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

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% 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

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.

1 1 1 1 1
70% Fixed 5 years 4.89% 1.5% (1.25% existing borrower)

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Standard variable rate

Not available

Minimum loan

£50,000

Maximum loan

No maximum loan size

Term

2-30 years

Early repayment charges

Fixed: 4% year one, 3% year two, 3% year three, 3% year four, 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

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% 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

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.

1 1 1 1 1
75% Fixed 5 years 4.99% 1.5% (1.25% existing borrower)

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Standard variable rate

Not available

Minimum loan

£50,000

Maximum loan

No maximum loan size

Term

2-30 years

Early repayment charges

Fixed: 4% year one, 3% year two, 3% year three, 3% year four, 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

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

4

Ages

18-85 (end of term)

The fees and charges

Product fee

1.5% 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

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.

1 1 1 1 1

Current processing times

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

    4 working days

  • Valuation review

    3 working days

  • Formal offer underwrite

    3 working days

  • Additional correspondence and documents

    10 working days

alerticon

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

Last updated 17-05-2022

  • AIP review

    4 working days

  • Valuation review

    3 working days

  • Formal offer underwrite

    3 working days

  • Additional correspondence and documents

    10 working days

alerticon

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

Last updated 17-05-2022

  • AIP review

    4 working days

  • Valuation review

    3 working days

  • Formal offer underwrite

    3 working days

  • Additional correspondence and documents

    10 working days

alerticon

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

Last updated 17-05-2022

  • AIP review

    4 working days

  • Valuation review

    3 working days

  • Formal offer underwrite

    3 working days

  • Additional correspondence and documents

    10 working days

alerticon

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

Last updated 17-05-2022

  • AIP review

    4 working days

  • Valuation review

    3 working days

  • Formal offer underwrite

    3 working days

  • Additional correspondence and documents

    10 working days

alerticon

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

Last updated 17-05-2022

  • AIP review

    4 hours

  • Valuation review

    1 working day

  • Formal offer underwrite

    1 working day

  • Additional correspondence and documents

    1 working day

alerticon

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

Last updated 17-05-2022

Current processing times
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.