Semi-commercial mortgage rates

Our lowest rate

2 year fixed rate

65% LTV

Starting rate 6.09%

Product fee 6%

(5.75% existing customers)

Product highlights

Residential and commercial income can be considered

No maximum loan amount

No maximum property value

0.25% reduction in fees for existing borrowers

1% cashback on selected products (payable on completion)

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Limited edition - remortgage only

	LTV	Mortgage type	Term	Starting rate	Reversion rate	Arrangement fee
	65%	Fixed	2 years	7.49%	Starting rate or BBR + 2.74% whichever is higher	3%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum 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	6.89%	Starting rate or BBR + 2.14% whichever is higher	3%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum 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	7.69%	Starting rate or BBR + 2.94% whichever is higher	3%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum 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	7.09%	Starting rate or BBR + 2.34% whichever is higher	3%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum 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

In all cases the Starting Rate at completion is the lowest rate payable regardless of future changes to the Bank of England Base Rate.

Core range

Cashback	LTV	Mortgage type	Term	Starting rate	Reversion rate	Arrangement fee
	65%	Fixed	2 years	7.59%	Starting rate or BBR + 2.84% whichever is higher	3%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum 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	7.09%	Starting rate or BBR + 2.34% whichever is higher	4%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum Ages 18-85 (end of term) The fees and charges Arrangement fee 4% 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	6.09%	Starting rate or BBR + 1.34% whichever is higher	6%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum Ages 18-85 (end of term) The fees and charges Arrangement fee 6% 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	6.99%	Starting rate or BBR + 2.24% whichever is higher	3%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum 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	6.79%	Starting rate or BBR + 2.04% whichever is higher	4%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum Ages 18-85 (end of term) The fees and charges Arrangement fee 4% 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	6.39%	Starting rate or BBR + 1.64% whichever is higher	6%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum Ages 18-85 (end of term) The fees and charges Arrangement fee 6% 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	7.79%	Starting rate or BBR + 3.04% whichever is higher	3%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum 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	7.29%	Starting rate or BBR + 2.54% whichever is higher	4%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum Ages 18-85 (end of term) The fees and charges Arrangement fee 4% 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	6.29%	Starting rate or BBR + 1.54% whichever is higher	6%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum Ages 18-85 (end of term) The fees and charges Arrangement fee 6% 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
1% cashback	75%	Fixed	5 years	7.39%	Starting rate or BBR + 2.64% whichever is higher	3%
Close account information The loan Cashback 1% - payable on completion Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan £1,000,000 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 Maximum no. of applicants No maximum 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	7.19%	Starting rate or BBR + 2.44% whichever is higher	3%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum 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
1% cashback	75%	Fixed	5 years	7.19%	Starting rate or BBR + 2.44% whichever is higher	4%
Close account information The loan Cashback 1% - payable on completion Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan £1,000,000 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 Maximum no. of applicants No maximum Ages 18-85 (end of term) The fees and charges Arrangement fee 4% 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%	Starting rate or BBR + 2.24% whichever is higher	4%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum Ages 18-85 (end of term) The fees and charges Arrangement fee 4% 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	6.59%	Starting rate or BBR + 1.84% whichever is higher	6%
Close account information The loan Repayment terms available? Interest-only terms available? Porting available? Bank of England Base Rate (BBR) 4.75% Minimum loan £150,000 Maximum loan No maximum loan size 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 Maximum no. of applicants No maximum Ages 18-85 (end of term) The fees and charges Arrangement fee 6% 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

In all cases the Starting Rate at completion is the lowest rate payable regardless of future changes to the Bank of England Base Rate.

Current processing times

Semi-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 21-12-2024

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 21-12-2024

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 21-12-2024

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 21-12-2024

Current processing times

'AL','b','CB','CV','EN','GL','HA','HP','LE','LU','MK','NN','OX','PE','RG','SG','SL','SN','WC','WD'