InterBay Commercial
Specialist LenderInterBay Commercial, part of OSB Group, is a specialist lender offering commercial mortgages and semi-commercial property finance. They serve business owners, investors, and landlords seeking finance for commercial and HMO properties through their broker-only channel.
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Lending Focus
InterBay Commercial offers mortgage products across 2 categories including Commercial, HMO.
Key Features
- Specialist commercial mortgage products
- Semi-commercial and mixed-use property lending
- HMO finance for larger properties
- Part of OSB Group with strong capital backing
- Experienced commercial underwriting team
Pros & Cons
Pros
- Part of OSB Group providing strong capital backing
- Specialist focus on commercial and semi-commercial property
- Experienced commercial underwriting team
- HMO finance for larger properties
Cons
- –Broker-only — cannot apply direct
- –No residential mortgage products for owner-occupiers
- –Maximum 75% LTV is lower than some competitors
Fees & Charges
Arrangement Fee
Typically 1–1.5% of loan amount
Valuation Fee
Based on property value — usually £500–£2,500 for commercial
Early Repayment Charge
Typically 2–5% during fixed-rate period
Overpayment Allowance
Varies by product — check individual terms
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for InterBay Commercial. In the meantime, visit their website for the latest rates.
View rates on InterBay CommercialApplication Process
Processing Time
3–6 weeks from application to offer
Online DIP
Yes — available online
Offer Valid For
3 months
Lending Criteria
Maximum LTV
75%
Frequently Asked Questions
Is InterBay Commercial part of OSB Group?
Does InterBay Commercial offer HMO finance?
What types of commercial property does InterBay lend on?
How to Apply
Broker Only
InterBay Commercial products are only available through mortgage brokers. Use our broker directory to find a broker with InterBay Commercial on their lender panel.
Contact Information
Need a InterBay Commercial Broker?
Find FCA-regulated mortgage brokers who have InterBay Commercial on their lender panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.