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.
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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?
Does InterBay Commercial offer HMO finance?
What types of commercial property does InterBay lend on?
How to Apply
Broker only. InterBay Commercial products are available through mortgage brokers. Find a broker with InterBay Commercial on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.