Commercial owner occupier mortgage rates

Features	LTV	Mortgage type	Term	Starting rate	Reversion margin*	Arrangement fee
Limited edition	75%	Fixed	2 years	7.19%	2.94%	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	7.89%	3.64%	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 £125,000 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	6.54%	2.29%	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 £125,000 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	7.04%	2.79%	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	7.44%	3.19%	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 £125,000 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	6.99%	2.74%	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 £125,000 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

Features	LTV	Mortgage type	Term	Starting rate	Reversion margin*	Arrangement fee
Limited edition	75%	Fixed	2 years	7.39%	3.14%	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	8.09%	3.84%	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 £125,000 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	6.74%	2.49%	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 £125,000 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	7.24%	2.99%	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	7.64%	3.39%	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 £125,000 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	7.19%	2.94%	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 £125,000 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

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Jack Cope

Specialist Finance Account Manager

Areas covered

South West & Wales

As a specialist finance account manager at InterBay, my mission is simple: to cut through complexity and help brokers solve even the toughest cases. With experience working within all lending sectors across the South East, including roles as a phone and field BDM, I bring a practical yet creative mindset to every challenge. I’m genuinely passionate about working alongside brokers, uncovering tailored solutions, and showcasing what makes InterBay stand out as a lender.

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

01634 835028

Peter Coombes

Bridging Specialist Finance Account Manager

I’ve been working as a business development manager for the company since 2019. With a detailed knowledge of the market after previous roles as a broker and mortgage advisor, I understand the challenges you and your clients face, and am ready to assist you with your cases. There’s nothing I enjoy more than getting out-and-about to meet brokers and showing you how we can help with our specialist solutions.

Pete.coombes@osb.co.uk

07432 693022

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

03332 407095

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Jack Cope