InterBay launches owner-occupier mortgage range

InterBay, part of OSB Group, has announced a number of significant changes to its proposition which include rate reductions, a lower minimum loan amount and a new range of owner-occupier products to help support brokers with commercial clients.

Rates have reduced by 0.20% for selected products, including commercial owner-occupier and semi-commercial properties with 55% or more residential value.

The rate reductions mean that selected commercial products now start from 6.54% and semi-commercial rates start from 5.49%, both with a 5% fee. 

In addition, the minimum loan has reduced to £125,000 from £150,000 for standard products.

Marc Callaghan (pictured), head of commercial lending at InterBay, said: “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 comprise small to mid-size units. 

"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 two and five-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.”