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%	2.84%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	3.54%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	2.19%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	2.69%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	3.09%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	2.64%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	3.04%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	3.74%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	2.39%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	2.89%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	3.29%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	2.84%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	3.04%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	3.74%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	2.39%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	2.89%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	3.29%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	2.84%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	3.24%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	3.94%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	2.59%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	3.09%	3%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	3.49%	2%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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%	3.04%	5%
Close product information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.25% 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
Bridging

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 09-05-2025

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 09-05-2025

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 09-05-2025

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 09-05-2025

AIP review

4 hours
Initial underwriting

24 hours
Formal offer review

24 hours
Additional correspondence and documents

24 hours

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

Last updated 09-05-2025

Current processing times

'BA','BH','BS','CF','DT','GL','HR','NP','PO','SA','SN','SO','SP','TA'

Charlotte Parker

Specialist Finance Account Manager

Areas covered

South West & Wales

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

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

Ross Williams

Bridging Specialist Finance Account Manager

I joined the company in 2022 and bring more than 15 years of experience working in various finance roles to the position. I enjoy getting out and about, meeting with brokers face-to-face and looking at cases from all angles. My aim is to be your go-to BDM and the first name that springs to mind when you need help with placing a case.

Ross.williams@osb.co.uk

Amit Kumar

Bridging Office BDM

I started with the company in 2016 and have worked in a number of positions during my time here. After starting in the contact centre, I was promoted to a specialist role in 2018 before being given the opportunity to join the sales support team as a sales consultant in 2019. I love my current role as an office-based BDM as it gives me the opportunity to interact with brokers on a daily basis and work together to help achieve our mutual goal of providing the best possible service for your clients.

Amit.kumar@osb.co.uk

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