Interbay Commercial

InterBay pride themselves on being seen as a specialist lender. 

They are part of 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 make us a true specialist lender.

Procuration Tables

Gross fee paid by lenderProcuration fee to intermediary

BTL, commercial and semi-commercial 1.05%

Bridging 1.20%

All information correct as at 23/01/2019

BTL, commercial and semi-commercial    0.85%

Bridging  1.00%

All information correct as at 23/01/2019


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
They 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, the
tailored approach to assessing proposals has gained us 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, 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 they 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


Interbay Ltd
Forum 3
Solent Business Park
PO15 7FH


Once registered, our Broker Liaison Team will be available to offer you support and guidance on 0345 8787000. Alternatively, please visit to find your local BDM.


Before you start submitting mortgage applications to Interbay Commercial, you’ll need to register.

Visit and register using the Broker Portal. Once this has been completed you will receive a confirmation email.