InterBay Commercial

Interbay Commercial provides specialised lending solutions for real estate purchases as well as bridging, commercial and semi-commercial finance options.

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Max term

100k - 25m

Min/Max Loan



InterBay Commercial is a lender which specialises in real estate finance, offering a variety of property loan options to the market. InterBay Commercial is a subsidiary of OneSavings Bank, a major lender operating within the specialist mortgage market, and InterBay Commercial acts as a dedicated lending arm for its parent company.

The range of products on offer from InterBay Commercial caters for a wide variety of client requirements; loan packages include commercial and semi-commercial mortgages, as well as finance for buy-to-let and HMO properties. This allows InterBay Commercial to meet the needs of customers across a diverse range of sectors, from businesses in need of a stable, secure mortgage provider with a flexible outlook to independent developers and landlords with specialised requirements.

As well as providing long-term lending solutions such as these mortgage products, InterBay Commercial also offers bridging loans. This type of finance is exceptionally flexible, and can be put to many uses; it’s most commonly used to quickly secure property when a mortgage isn’t an appropriate solution, but bridging finance can be put to almost any purpose. The ability of InterBay Commercial to offer such a wide range of lending solutions reflects their ongoing commitment to swift, secure lending which clients can rely on.

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Contact InterBay Commercial

InterBay Commercial
Forum 3
Solent Business Park
PO15 7AD

+44 345 878 7000

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Frequently asked questions

What is a bridging loan?

A bridging loan is a short-term loan secured against property. It allows you or your business to “bridge a gap” until either longer-term finance can be arranged, or the underlying security or other assets can be sold.

What is a commercial bridging loan?

Commercial bridging loans are, as their name implies, bridging loans that are secured against commercial property.

How can businesses use a commercial bridging loan?

There are many ways in which businesses can use a commercial bridging loan. Common uses are to cover short-term cashflow issues or to finance tax liabilities. More positively they can be used as working capital and by new businesses as a cashflow injection to acquire additional stock or even to acquire new equipment or premises for the business. Beyond these examples there are a huge variety of ways in which commercial bridging loans can be used.

Can commercial bridging loans be secured against semi-commercial property?

To qualify for a commercial bridging loan the overall use of the property being used as collateral will need to be at least 40% commercial. For example, if the property is a rental unit with a flat above the commercial part of the property would have to represent more than 40% of the total property. Furthermore, most lenders would also insist on a separate entrance to the flat.

Can private landlords use commercial bridging loans?

Yes. They can be a great tool for landlords who want to do renovations on their properties to improve rental yields. The value of the properties will also reflect these property improvements and make it easier for the landlord to refinance them onto competitive Buy-to-Let (BTL) mortgages and clear any bridging. Like residential bridging, commercial loans can also be useful when a property chain is broken.   

Can commercial bridging loans be used by limited and offshore companies?

Yes they can. They can be used by a huge variety of companies and by foreign nationals who can struggle to get High Street Finance.

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