Commercial mortgage rates

Our lowest rate

2 year fixed rate

65% LTV

Starting rate 6.44%

Product fee 5%

(4.75% existing customers)

Product highlights

Lower rates for EPC rating C+

Purchase and remortgage limited edition products

Lower 2% and 5% fee options

No max loan amount or property value

0.25% reduction in fees for existing borrowers

Download product guide

Properties with an EPC rating of C or above

Features	LTV	Mortgage type	Term	Starting rate	Reversion margin*	Arrangement fee
Limited edition	65%	Fixed	2 years	7.09%	2.59%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £600,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 3% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	2 years	7.79%	3.29%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	2 years	6.44%	1.94%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 5% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
Limited edition	65%	Fixed	5 years	6.94%	2.44%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £600,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 3% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	5 years	7.34%	2.84%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	5 years	6.89%	2.39%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 5% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
Limited edition	75%	Fixed	2 years	7.29%	2.79%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £600,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 3% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	2 years	7.99%	3.49%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	2 years	6.64%	2.14%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 5% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
Limited edition	75%	Fixed	5 years	7.14%	2.64%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £600,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 3% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	5 years	7.54%	3.04%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	5 years	7.09%	2.59%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 5% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1

*Reversion rate is calculated using starting rate or BBR + reversion margin, whichever is higher. In all cases the Starting Rate at completion is the lowest rate payable regardless of future changes to the Bank of England Base Rate. The interest year for InterBay is calculated over 360 days. BBR is subject to a floor of 0.75% (if BBR exceeds 3% the floor resets to 3%).

Properties with an EPC rating of D or below

Features	LTV	Mortgage type	Term	Starting rate	Reversion margin*	Arrangement fee
Limited edition	65%	Fixed	2 years	7.29%	2.79%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £600,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 3% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	2 years	7.99%	3.49%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	2 years	6.64%	2.14%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 5% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
Limited edition	65%	Fixed	5 years	7.14%	2.64%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £600,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 3% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	5 years	7.54%	3.04%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	65%	Fixed	5 years	7.09%	2.59%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 5% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
Limited edition	75%	Fixed	2 years	7.49%	2.99%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £600,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 3% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	2 years	8.19%	3.69%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	2 years	6.84%	2.34%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 5% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
Limited edition	75%	Fixed	5 years	7.34%	2.84%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £600,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 3% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	5 years	7.74%	3.24%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 2% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1
	75%	Fixed	5 years	7.29%	2.79%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.50% Min loan £150,000 Max loan Unlimited Early repayment charges Fixed: 4% year one, 3% for remaining fixed period, 10% of the balance can be repaid in any 12 month period, without notice and without incurring ERC The applicant(s) CCJs None in last 36 months Defaults None in last 36 months Missed secured loan payments None in last 12 months Unsecured arrears Not applicable First-time landlords accepted? Yes Professional landlords accepted? Yes Max no. of applicants No max Ages 18-85 (end of term) The fees and charges Arrangement fee 5% arrangement fee, payable on completion, can be added to the loan and is non-refundable. Arrangement fee reduces by 0.25% for applicants with a clear six-month InterBay Commercial payment history Application fee £145 administration fee is payable when the valuation is instructed, and is non-refundable Proceeding with an application Follow one of the below to continue… Register with us Login Having trouble placing a case? Speak to your specialist finance account manager today. Find your account manager Please enter valid postcode							1	1	1	1	1	1

Current processing times

Commercial

Commercial
Semi-commercial
Buy to let and HMO

AIP review

2 working days
Initial underwriting

3 working days
Formal offer review

3 working days
Additional correspondence and documents

3 working days

Submissions after 4pm will be considered as submitted the following working day.

Last updated 22-02-2025

AIP review

2 working days
Initial underwriting

3 working days
Formal offer review

3 working days
Additional correspondence and documents

3 working days

Submissions after 4pm will be considered as submitted the following working day.

Last updated 22-02-2025

AIP review

2 working days
Initial underwriting

3 working days
Formal offer review

3 working days
Additional correspondence and documents

3 working days

Submissions after 4pm will be considered as submitted the following working day.

Last updated 22-02-2025

AIP review

2 working days
Initial underwriting

3 working days
Formal offer review

3 working days
Additional correspondence and documents

3 working days

Submissions after 4pm will be considered as submitted the following working day.

Last updated 22-02-2025

Current processing times

'b','BB','BD','BL','CH','CW','DL','DY','FY','HD','HG','HX','l','LL','LS','m','OL','PR','SK','ST','TF','TS','WA','WF','WN','WS','WV','YO','s'

Simon Ward

Specialist Finance Account Manager

Areas covered

London and Greater London

Having worked in the industry for more than 20 years, I’ve gathered an extensive knowledge of the mortgage process. I joined the company in 2018, first as a business development manager, then as a specialist finance account manager. My experience helps me to understand the challenges brokers face and allows me to help with the most complex of cases.

Joshua Williams

Office BDM

I joined the business in 2022 as part of the Broker Liaison Team, and progressed to the role of Senior Broker Liaison Coordinator in 2023. I enjoy working closely with brokers and handling quirkier and complex commercial cases from start to finish. I enjoy problem solving, so feel free to contact me with any criteria-based queries. My goal is to support you and keep you updated on your case from AIP through to completion.

Joshua.williams@osb.co.uk

'BR','CM','DA','e','EC','IG','ME','n','NW','RM','SE','SS','WC'

Mohinder Parmar

Specialist Finance Account Manager

Areas covered

London and South East

I joined the group in 2022 after more than 20 years of experience working in banking, first as a private banker then as a relationship manager looking after my broker partners. The thing I love especially about specialist lending is that every case I receive is different with its own set of challenges, so when I’m able to finally get it over the line it gives me a real sense of achievement. I’m really looking to helping you with your complex cases and showing off our exciting proposition.

Joshua Williams

Office BDM

Joshua.williams@osb.co.uk

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Charlotte Parker

Specialist Finance Account Manager

Areas covered

South West

I’ve been supporting brokers in South West ever since joining the company in April 2019. With nearly 20 years of experience working in financial services, I’ve developed a detailed knowledge of the mortgage market which means I’m perfectly placed to help you with your cases. Whatever support you need, I’m here to provide solutions to complex cases, and diffuse and resolve any issues that may arise during the processing of an application.

Joshua Williams

Office BDM

Joshua.williams@osb.co.uk

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Nick O'Leary

Specialist Finance Account Manager

Areas covered

Midlands

I’ve been with the company as a business development manager since 2018. After qualifying as a mortgage consultant in 2009, I joined a large new build brokerage before deciding on a change of career path and becoming a BDM. I really enjoy interacting with brokers, helping to improve your knowledge and, most importantly, finding solutions that meet your clients’ needs.

Joshua Williams

Office BDM

Joshua.williams@osb.co.uk

'AB','BT','CA','CT','DD','DG','DH','EH','EX','FK','g','GY','HS','HU','IM','IV','JE','KA',KW','KY','LA','LD','ML','NE','PA','PH','PL','SR','SY','TD','TN','TQ','TR','ZE','AL','CR','EN','HA','HP','KT','LU','OX','RG','SL','SM','SW','TW','UB','w','WD'

Commercial

Semi-commercial

Buy to let and HMO

Bridging

Product transfers

Commercial

Semi-commercial

Buy to let and HMO

Commercial

Literature

Semi-commercial

Literature

Buy to let and HMO

Literature

Commercial products

Our lowest rate

2 year fixed rate

65% LTV

Starting rate 6.44%

Product fee 5%

Product highlights

Properties with an EPC rating of C or above

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The loan

The applicant(s)

The fees and charges

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The loan

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The fees and charges

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Having trouble placing a case?

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The loan

The applicant(s)

The fees and charges

Proceeding with an application

Having trouble placing a case?

Close product information

The loan

The applicant(s)

The fees and charges

Proceeding with an application

Having trouble placing a case?

Close product information

The loan

The applicant(s)

The fees and charges

Proceeding with an application

Having trouble placing a case?

Close product information

The loan

The applicant(s)

The fees and charges

Proceeding with an application

Having trouble placing a case?

Close product information

The loan

The applicant(s)

The fees and charges

Proceeding with an application

Having trouble placing a case?

Close product information

The loan

The applicant(s)

The fees and charges

Proceeding with an application

Having trouble placing a case?

Close product information

The loan

The applicant(s)

The fees and charges

Proceeding with an application

Having trouble placing a case?

Close product information

The loan

The applicant(s)

The fees and charges