1

Rates reduced by up to 0.50%

Rates are falling this autumn across our commercial owner occupier range and selected semi-commercial products.

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2

Have you heard about the SME advantage?

When it comes to owner occupier, we know the market. We’ve seen a trend of more SMEs looking beyond leasing and diversifying into ownership, which we’ve broken down for you in our latest article.

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3

Bridging finance rates reduced by up to 0.10%

New range rates from just 0.84%, with discounted rates for properties with 55% or more residential value. Not forgetting we’ve also recently reduced the min loan by 50% to £125k.

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4

Explore our dedicated product transfer range

By using our mortgage product transfer process, your clients can switch to a new product quickly and easily without the need for revaluation or additional underwriting.

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5

Offering flexibility with our buy to let products

With up to 75% LTV, our range includes a simplified fee structure and min loan from £500k. Loans over £5m can be priced on application.

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Marc Callaghan

Marc Callaghan

Head of Commercial Lending

“Our Transactional Credit Committee (TCC) allows us to offer bespoke and flexible solutions and pricing on a case-by-case basis.”

Untangling a large buy to let portfolio

  • Clients were looking to move their entire portfolio from existing lenders
  • Comprised 155 properties (140 remortgaged by InterBay)
  • The remaining 15 are being refurbished with the goal of transferring
  • Clients repaying £10.5m
  • To acquire additional MUFBs, £4m capital raised
  • £15.9m loan agreed at 74.9% LTV

Timing is key when getting a case to offer

  • Commercial investment loan of £4.5m net
  • Securities consisted of two freehold titles with 23 units in total
  • Structured as interest only on a 15-year period
  • Current passing rent only achieved an ICR of 118%
  • Exception agreed to proceed to offer subject to one of the vacant units being occupied before completion

We don't judge a commercial facility by its cover

  • Client needed a net loan of 75% LTV on a commercial facility
  • Loan was for £2.5m on a 20-year interest-only basis
  • Income from security is a split of owner occupier and investment
  • The asset required significant improvements between exchange and completion
  • Case was agreed subject to a re-inspection once works completed

Refinancing result

  • Semi-commercial refinance required
  • Client owned the asset for a number of years and recently developed the upper parts into residential units
  • Security included nine commercial shops, one storage unit and seven flats
  • Agreed a loan of £3.5m on a 10-year interest-only facility
  • Client repaid existing loan and released extra capital for further investment

Commercial deal with flex

  • Commercial owner occupier remortgage
  • Requirement for £7.37m over 10 years
  • Estimated value of £11m
  • Refinance saved client significant costs by clearing current lender debts
  • Client wanted to exclude three non shareholding directors from the facility
See all

Current processing times
Commercial
  • Commercial
  • Semi-commercial
  • Buy to let and HMO
  • Bridging

  • AIP review

    2 working days

  • Initial underwriting

    4 working days

  • Formal offer review

    4 working days

  • Additional correspondence and documents

    4 working days

alerticon

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

Last updated 17-11-2025

  • AIP review

    2 working days

  • Initial underwriting

    4 working days

  • Formal offer review

    4 working days

  • Additional correspondence and documents

    4 working days

alerticon

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

Last updated 17-11-2025

  • AIP review

    2 working days

  • Initial underwriting

    4 working days

  • Formal offer review

    4 working days

  • Additional correspondence and documents

    4 working days

alerticon

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

Last updated 17-11-2025

  • AIP review

    2 working days

  • Initial underwriting

    4 working days

  • Formal offer review

    4 working days

  • Additional correspondence and documents

    4 working days

alerticon

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

Last updated 17-11-2025

  • AIP review

    4 hours

  • Initial underwriting

    24 hours

  • Formal offer review

    24 hours

  • Additional correspondence and documents

    24 hours

alerticon

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

Last updated 17-11-2025

Current processing times

green alert icon

This information is for mortgage professionals only and not intended for use by the general public. All rates, programmes and pricing are subject to change at any time and without prior notice. Mortgages are subject to valuation and approval.