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  • info_icon Interbay Ltd, Forum 3, Solent Business Park, Whiteley, Fareham, PO15 7FH


As experts in delivering bespoke broker solutions, InterBay specialises in commercial, semi-commercial, buy to let, holiday let and bridging lending. 

With our extensive market knowledge, we look to say ‘yes’ to complex cases where others may say ‘no’ to help find the right solutions for you and your clients.

Our underwriters work in close partnership with our in-house teams, including our specialist finance account managers, real estate and completions, to create bespoke lending solutions that support you in meeting your clients’ needs.

Proc Fees

Product Gross Net
Buy to Let 0.7% 0.5%
Bridging 1.20% 1.00%
Product Transfer 0.5% 0.45%
Product Type When does the lender pay PMS? Frequency
All 24 hours. Daily.

Lenders send payments by BACS which can take anything up to 5 working days to clear at PMS. PMS then make payment to brokers once the funds have cleared in our account.  


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Register to place business with Interbay:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.


Products and criteria

As experts in commercial, semi-commercial, buy to let, holiday let and bridging lending, there’s no case too big or too complex for us. Here are just a few ways in which we could help.

Commercial & Semi-Commercial

When it comes to commercial and semi-commercial lending, we understand the demands and challenges your clients may face.

  • Most asset classes considered.
  • No maximum loan amount.
  • No maximum property value.

Owner occupier and investment applications accepted

Buy to Let 

With experience in high-value cases and complex ownership structures, we could help your clients with more than just standard buy to lets.

  • No maximum loan amount and no maximum property value.
  • HMOs/MUFBs of any size accepted.
  • More involved ownership structures permitted.
  • Multiple properties accepted on a single loan.

Holiday Lets

Our holiday let offering could provide clients letting out properties on a short-term basis with the solutions they need, however complex or challenging their case.

  • No maximum property value
  • Personal use for up to 60 days a year
  • Personal ownership and limited companies allowed.
  • Affordability assessed on commercial rental income (average of high, medium and low seasonal rates).


From buy to let HMO conversions to large refurbishments, our range of bridging solutions means we have all bases covered

  • New two-tier proposition which allows light refurbishment works through to more complex projects which alter the external footprint or outline of a property, or requires planning permission.
  • New developer exit range.
  • Expanded solicitor panel.
  • Conversions into flats accepted.

Additional Support

Along with our diverse range of products, in-house expertise and individual case assessments, we also offer a wealth of other resources to help you find solutions to your complex cases, including:

  • Online criteria guide – Track down the information you need with our online criteria guide.
  • Important literature – Includes essential documentation, from application forms to useful ‘how to’ information.
  • Online calculators – Discover how much your client could borrow with our maximum loan and bridging calculators
  • Dedicated sales team – Find out how our in-house team could help you find solutions to your high-value cases.

Get in touch today

For further details about any of our products, or if you’ve got a question you need answering, please get in touch with your specialist finance account manager.

You can also speak to our broker sales support team by calling 0345 878 7000 or contacting them via Live Chat.

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