Interbay

When it comes to bridging finance, commercial lending and buy to let, we’re experts.

We understand that every case is different, so we approach each one with a willingness to provide answers – however simple or complex it may be. Our aim is to be flexible and provide opportunities where other mainstream lenders may not be able to.

We look to support our brokers and their clients, providing the answers they need and helping them reach their business goals.

Our service and product offering

Commercial and semi-commercial loans

We have experience in lending against a wide range of commercial property types, both to investors and trading businesses. This experience means we offer features which many other lenders don’t, including higher LTVs and interest-only products.

• Up to 75% LTV available
• Large loans welcomed
• £200k minimum loan with no maximum
• Preferential rates for loans over £1m
• Term 2-30 years
• Investor and owner-occupier loans
• Lending against investment value can be considered
• Interest-only available
• Will lend on vacant property
• Rates dependent on asset quality
• Variable and fixed products
• No obligatory linked products as with high street banks
• Lending to expats acceptable

 

Unregulated bridging loans

Making use of our lending experience and property expertise, our unregulated bridging loan proposition provides a simple yet competitive range of products designed to help investors raise short-term finance for a variety of purposes. As long as we are offered suitable security, and there is a plausible exit strategy, you won’t need to look further for a solution.

• Up to 75% LTV gross available
• AIP in 4 hours
• Competitive pricing
• No maximum loan size
• Term 1-18 months
• Dedicated bridging team
• Dual legal representation
• Develop exit funding
• Loans for when planning permission is being sought
• Loans to fund light, medium or heavy refurbishment 

 

Buy to let & HMO

We take a commercial approach to lending on buy to let and HMO properties. Whether we’re dealing with a first-time landlord, an unusual or complex property, or a seasoned landlord operating a large-scale portfolio, our tailored approach to assessing proposals has gained us a reputation for offering solutions and getting deals done.

• Up to 85% LTV available
• First-time landlords accepted
• Large portfolios welcomed
• Will lend to trading companies
• Term 2-30 years
• Experience with complex proposals and ownership structures
• Single facility available for large portfolios
• Interest-only always available
• No minimum income
• Investment value considered on HMOs
• Variable and fixed products
• Fee discounts for repeat customers
• Lending to expats acceptable