About InterBay Commercial
InterBay Commercial is the trading name for InterBay Funding Limited, a subsidiary of OSB Group plc — the specialist mortgage lender listed on the London Stock Exchange. OSB Group also owns Kent Reliance and Precise Mortgages, making it one of the largest specialist lending groups in the UK by assets under management. InterBay Commercial focuses specifically on the commercial and semi-commercial end of the market, bringing the funding depth of an OSB Group subsidiary to bear on transactions that require specialist commercial property expertise.
Based at Reliance House in Chatham, Kent — close to OSB Group's main Kent operations — InterBay Commercial lends on bridging from £125,000 to £10 million, with LTVs up to 70% and rates from 0.84% per month. The 70% LTV ceiling is appropriate for commercial security, where valuation volatility is typically higher than residential property and where exit strategies often depend on refinancing with a commercial mortgage rather than a straightforward sale.
InterBay's commercial focus means the team can assess mixed-use assets, retail units, offices, industrial property and HMO conversions with a level of sector expertise that generalist bridging lenders may not match. The 18-month term allows time for planning applications, lease renegotiations or commercial sales that require more runway than a standard 12-month bridge.
Bridging Loans from InterBay Commercial
InterBay lends from £125,000 to £10 million on bridging, with terms up to 18 months and LTVs up to 70%. Rates from 0.84% per month. Commercial, semi-commercial and mixed-use property across England and Wales.
What Can InterBay Commercial Finance?
- Commercial bridging — offices, retail, industrial
- Semi-commercial and mixed-use property
- HMO and multi-unit conversions
- Commercial investment purchase and refinance
- Development exit on commercial schemes
How to Apply with InterBay Commercial
InterBay works exclusively through registered intermediaries. Enquiries go to [email protected] or by phone on 0345 878 7000. The team is based at Reliance House, Sun Pier, Chatham, Kent ME4.
Contact
Address:
InterBay Funding Limited
Reliance House, Sun Pier, Chatham, Kent, ME4 4ET
Phone:
0345 878 7000