Interbay Commercial

ProductGross Fee paid by lenderNet fee paid to regulated broker  Net Fee paid to non-regulated & client referral service
All products1.70%0.85%0.42%


As the property market starts to improve Complete FS are pleased to announce a shared exclusive product from InterBay Commercial. This exclusive is aimed at the semi-commercial sector where no case is too big or complex for InterBay.

Key Features:

  • Minimum loan £100,000
  • Interest only for 10 year term
  • Owner occupier now considered
  • Residential AND commercial income considered 
  • Lend to individuals, Ltd Co’s, LLP’s, trusts & pension schemes
  • Need 2 years’ min sector experience

The product: 

  • Rate – 4.89%
  • 2-year fixed rate 
  • 70% LTV 
  • 2% Lender Fee (added) or 1.75% if existing InterBay client
  • ERC 4%,3%, 1% for life
  • Proc Fee 0.85%

Acceptable property types:

  • Retail – high street and suburban/neighbourhood precinct
  • Takeaways and restaurants/cafes
  • Pharmacies
  • Offices

ICR calculation:

ICR = 5% @ 125%

Primarily based on residential rental income. The commercial rental income can be considered subject to:

  • The last 12 months rental payment have been made
  • There is at least 12 months left on the current lease

Working with Complete FS

 There is real value in a partnership which is built on trust and this underpins the relationship between Interbay and Complete FS. Their professional approach to business and partnerships is second to none which consistently ensures positive customer outcomes. Their knowledge and expertise in the specialist lending market is industry leading having been developed and evolved over the last 22 years. 
Close Menu