InterBay Commercial
Specialist LenderInterBay Commercial, part of OSB Group, is a specialist lender offering commercial mortgages and semi-commercial property finance. They serve business owners, investors, and landlords seeking finance for commercial and HMO properties through their broker-only channel.
About InterBay Commercial
InterBay Commercial is part of OSB Group, which also includes Precise Mortgages and Kent Reliance. InterBay focuses on commercial mortgages and semi-commercial property finance, serving business owners, investors, and landlords. The lender has built expertise in commercial and HMO lending through its broker-only channel.
InterBay offers finance for commercial properties, semi-commercial premises, and HMO investments. The lender understands the needs of business owners and property investors who require commercial finance. InterBay considers a range of property types and business structures.
InterBay Commercial is broker-only and works with commercial mortgage intermediaries across the UK. The lender benefits from OSB Group's funding stability. InterBay is regulated by the FCA.
Lending Focus
InterBay Commercial offers mortgage products across 2 categories including Commercial, HMO.
Key Features
- Specialist commercial mortgage products
- Semi-commercial and mixed-use property lending
- HMO finance for larger properties
- Part of OSB Group with strong capital backing
- Experienced commercial underwriting team
Pros & Cons
Pros
- Part of OSB Group providing strong capital backing
- Specialist focus on commercial and semi-commercial property
- Experienced commercial underwriting team
- HMO finance for larger properties
Cons
- –Broker-only — cannot apply direct
- –No residential mortgage products for owner-occupiers
- –Maximum 75% LTV is lower than some competitors
Fees & Charges
- Arrangement Fee
- Typically 1–1.5% of loan amount
- Valuation Fee
- Based on property value — usually £500–£2,500 for commercial
- Early Repayment Charge
- Typically 2–5% during fixed-rate period
- Overpayment Allowance
- Varies by product — check individual terms
Mortgage Rates
Rate data coming soon. View rates on InterBay Commercial
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 3–6 weeks from application to offer
- Online DIP
- Yes — available online
- Offer Valid For
- 3 months
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
Is InterBay Commercial part of OSB Group?
Yes, InterBay Commercial is part of OSB Group alongside Precise Mortgages and Kent Reliance. This provides strong capital backing for their commercial lending.
Does InterBay Commercial offer HMO finance?
Yes, InterBay Commercial provides HMO finance for larger properties alongside their commercial and semi-commercial mortgage products.
What types of commercial property does InterBay lend on?
InterBay Commercial lends on commercial, semi-commercial, and mixed-use properties. They serve business owners, investors, and landlords seeking finance for these property types.
How to Apply
Broker only. InterBay Commercial products are available through mortgage brokers. Find a broker with InterBay Commercial on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Allica Bank | Buy-to-Let, Commercial, Bridging+3 | Challenger | 75% |
| Hampshire Trust Bank | Buy-to-Let, Commercial, Bridging+1 | Specialist | 80% |
| Paragon Bank | Buy-to-Let, Commercial, Development+2 | Specialist | 80% |
| Together Money | Residential, Buy-to-Let, Commercial+3 | Specialist | 80% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
Commercial Mortgage Advances Rise by 3% in Q3 2026
Commercial mortgage advances have increased by 3% in Q3 2026, indicating a growing market for semi-commercial properties.
Alternative Commercial Mortgages: New Options for Brokers
Alternative Bridging Corporation launches ACM, offering long-term commercial mortgage solutions for brokers and property investors.
Metro Bank’s Specialist Mortgage Lending in the Market
Metro Bank reports a 73% increase in specialist mortgage lending, impacting borrowers and investors in the UK mortgage market.
Semi-Commercial Mortgage Lending Forecast to Exceed £1 Billion
The UK semi-commercial mortgage market is set to exceed £1 billion by 2026, benefiting landlords and investors seeking financing.
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