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 payments have been made
  • There is at least 12 months left on the current lease

For more information on InterBay please click here.

If you have any clients that could benefit from this semi-exclusive product, please give us a call – 023 8045 6999 Option 3 or email

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