Gain a n ew perspe ctive on your cases
With expertise in all things commercial and semi-commercial lending, see how InterBay could help fund your next case.
We’re the team you can trust
As experts in providing bespoke solutions for brokers, our national sales, real estate, completions and underwriting teams work together to achieve the best client outcomes.
With our extensive market knowledge and range of products, we look to say “yes” where others say “no”.
Don’t just take our word for it, check out our Trustpilot reviews:
“I have dealt with InterBay personally for over a decade, and I have found them to be proactive, helpful and flexible. They have funded dozens of properties for me where other lenders have not.”
“Good common-sense approach to commercial lending and continued progress report.”
“I have been working with InterBay for many years and their process is by far the slickest when it comes to commercial lenders, who often have the most favourable rates.”
2 InterBay - Gain a new perspective
“As a broker I find InterBay are very competitive in their rates and fees. The staff are very knowledgeable and eager to get the case across the line. If the client has what is needed, then no issues at all have done cases from as little as £100,000 to £5,000,000 and all gone through. Knowledge is key. BDMs are very helpful and are listened to.”
Commercial products
• Up to 75% LTV
• No max loan on many products
• Discounted rates for EPC rating C or above
• Range of fee options that offer flexibility
• Eligible applicants: individuals, limited companies, LLPs, partnerships, trusts and pension schemes accepted
Semi-commercial products
• Options with no max loan amount
• Owner-occupier and investment applications accepted
• Most asset classes are considered
• Lower rates for 55% or more resi value
Commercial focus
“Commercial is a crucial part of the business—as it is for the wider Group. We continue to see landlords diversifying, which is why we’ve invested heavily in this area and are ready to support you and your client’s changing needs.
This is an exciting time for InterBay and in my new role as head of commercial lending, I’ve been directing my efforts towards the commercial sector, and building our new sales team.”
Marc Callaghan, Head of Commercial Lending, InterBay
Meet our experts
Our team of specialist finance account managers have a wealth of knowledge and industry experience. They’re here to partner with you and are on hand to discuss any cases you have—no matter how complex they may seem.
Simon Ward
simon.ward2@osb.co.uk 07392 461038
My industry experience and extensive knowledge of the mortgage process help me to understand the challenges brokers face and allow me to help with the most complex of cases.
Mohinder Parmer
mohinder.parmar@osb.co.uk 07810 720656
The thing I love the most about specialist lending is that every case I receive is different, with its own set of challenges. When I’m able to finally get it over the line it gives me a real sense of achievement.
Charlotte Parker
charlotte.parker@osb.co.uk 07715 085156
I’ve developed a detailed knowledge of the mortgage market, which means I’m perfectly placed to help brokers with their complex cases, diffusing and resolving any issues that may arise during the application process.
Nick O’Leary
nick.oleary@osb.co.uk 07540 157700
After qualifying as a mortgage consultant in 2009, I joined a large new build brokerage before deciding on a change of career path and becoming a specialist finance account manager. I enjoy interacting with brokers, helping to improve their knowledge and find solutions to their hard-to-place cases.
Matthew Butt matthew.butt@osbgroup.co.uk
Phone: 07548239401
I’m service-driven and understand the importance of prompt, detailed responses to complex and specialist enquiries. Having supported intermediaries across mainstream, specialist and later-life lending, I have a variety of experience and broad market knowledge.
Even more support
You’ll be able to access even more invaluable industry expertise. We now have a dedicated office BDM available to offer support, alongside your specialist finance account manager
Joshua Williams Office BDM, InterBay
Joshua.williams@osb.co.uk 01634 835028
I enjoy working closely with brokers and handling complex commercial cases from start to finish—the quirkier the better!
We’re the real deal!
Sealing a
£54.5m
refinance deal
• Large and complex case completed in just 14 weeks from initial enquiry
• Included two central London office locations with extremely high ESG credentials
• 10-year interest-only financial solution fixed for the first five years at 6.99%
Here’s an example of how our team’s expertise helped get a real-life case over the line.
The client had seen the workplace market change to address a post-Covid demand for considered, appealing spaces focused on amenities and well-being. In response, they adapted their business model to cater to these evolving occupiers' needs.
Marc Callaghan, head of commercial lending at Interbay says “This achievement showcases InterBay's prowess in handling substantial transactions and highlights our efficiency in turning around complex deals swiftly”
Our expert teams, including sales, underwriting and completions, and the external legal team at Paris Smith, meant the deal was actively managed with any potential challenges identified and resolved swiftly.
BREEAM
The buildings have exceptionally high ESG credentials including BREEAM* ‘Excellent’ certified and EPC ratings of ‘A’. BREEAM-accredited buildings can achieve a rental premium of around 9% on average.
Ashley Slade, Managing partner at AWS Financial Services said:
Our client’s business is built on high-quality long-term business relationships. The decision to proceed with InterBay as the funding partner was thoroughly considered to ensure alignment with our aspiration for the properties and core values.
“InterBay maintained a pro-active approach throughout to deliver a very efficient & well-executed transaction. The whole team were thoroughly impressive and we look forward to working with them for future projects.”
* https://breeam.com/about/ how-breeam-works
Looking to explore new sectors, or want to discuss a case?
• Visit interbay.co.uk to find your specialist finance account manager, view products or start a calculation
• Call us on 0345 878 700