"This new range has a clear focus on owner-occupier opportunities, helping to support SMEs across this and other commercial sectors"
- Marc Callaghan - InterBay
InterBay, part of specialist lender OSB Group, has introduced several significant changes, including rate reductions, a lower minimum loan amount, and a new range of owner-occupier products aimed at supporting brokers with commercial clients.
Selected commercial products now start at 6.54%, while semi-commercial rates begin from 5.49%, both with a 5% fee.
Key highlights include:
New commercial owner-occupier range
Updated commercial investment products
Rate reductions of 0.20% for selected offerings, such as commercial owner occupier and semi-commercial properties with at least 55% residential value
Minimum loan size lowered from £150k to £125k for standard products
“We monitor the market and look at ways that we can best support brokers with commercial clients. Research suggests that of the UK’s industrial and logistics property market, 95% of the sector comprises small to mid-size units," comments Marc Callaghan, head of commercial lending at InterBay (pictured). “This new range has a clear focus on owner-occupier opportunities, helping to support SMEs across this and other commercial sectors. This range comes with a choice of fee options, including up to 75% LTV across 2 and 5-year fixed products, providing financial solutions for a wide variety of businesses.”
James Hardwick, managing director of Charleston Financial, part of Pivotal Growth, commented, “We’ve seen increased interest around owner-occupier in the commercial space throughout the first half of 2025, so InterBay launching this range is very timely!"
“This new range will attract a lot of attention, especially as statistics for the UK Q1 2025 retail sector suggest that investment yields are holding steady if not improving, and therefore property values are being supported as a result.”
