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InterBay

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InterBay

At InterBay, they pride themselves on being seen as a specialist lender.

They are part if the OneSavings Bank Group, one of a new breed of challenger banks setting new standards for the industry and providing a true alternative to established mainstream providers.

InterBay use their extensive property expertise and deep understanding of complex borrower types to assess cases that may not fit the criteria of other lenders. With a focus on commercial and residential investment property, whether the finance requirement is long or short-term, their flexible approach and product range makes them a true specialist lender.

Useful Links

InterBay Website

Why InterBay?

Their Service and product offering Commercial & Semi Commercial

InterBay have experience in lending against a wide range of commercial property types, both to investors and trading businesses. This experience means they offer features which many other lenders don’t. including higher LTVs and interest-only products, available over longer periods and on competitive terms.

  • Investor and Owner-Occupier loans
  • Up to 75% LTV
  • Term 2-30 years
  • Lending against investment value can be considered 
  • Will lend on vacant property
  • Interest only always available
  • Rates dependent on asset quality
  • Variable and fixed products
  • No obligatory linked products as with High Street banks
  • Preferential rates for loans over £1m
  • Lending to expats acceptable 

Buy to Let & HMO

InterBay take a commercial approach to lending on Buy to Let and HMO properties. Whether they are dealing with a first-time landlord, an unusual or complex property, or a seasoned landlord operating a large-scale portfolio, their tailored approach to assessing proposals has gained them a reputation for offering solutions and getting deals done.

  • Experience with complex proposals and ownership structures
  • Single facility available for large portfolios 
  • Term 2-30 years
  • Interest only always available 
  • No minimum income
  • Investment value considered on HMOs
  • Variable and fixed products
  • Up to 85% LTV
  • Lending to expats acceptable 

Bridging Loans

Making use of their lending experience and property expertise, their unregulated bridging loan proposition provides a simple yet competitive range of products designed to help investors raise fast, short-term finance for a variety of purposes. As long as InterBay are offered suitable security, and there is a plausible exit strategy, you won’t need to look further for a solution.

  • Development funding exit loans while properties are being sold
  • Up to 75% LTV gross
  • Term 1-18 months
  • Dedicated Underwriting and processing team
  • Legals can be instructed at same time as valuation 

Register with InterBay

Before you start submitting mortgage applications to InterBay Commercial, you’ll need to register to do business with them. Please click here and register using the Broker Portal. Once this has been completed you will receive a confirmation email.

Contact InterBay

Once registered, InterBay’s Broker Liaison Team will be available to offer you support and guidance on 0345 878 7000. Alternatively, please click here to find your local BDM.