Overview
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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