InterBay significantly reduces rates by up to 0.50% to support commercial market diversification demand
31 October 2025
Specialist commercial lender InterBay, part of OSB Group, has reduced rates across its commercial owner occupier range and selected semi-commercial products, with rates now starting from 5.34%. This move directly supports brokers with clients seeking diversification opportunities within the commercial space.
Within its semi-commercial range, for properties with 55%+ residential value, new business rates have been reduced by up to 0.50%. These reductions are available across a choice of 1%, 2% or 4% arrangement fee.
Semi-commercial for properties with 55%+ resi value, with rates now starting from:
- 5.34% for 2-year fixed
- 5.89% for 5-year fixed
Rate reductions have also been applied across the commercial owner occupier range with rates reduced by 0.20% with a choice of 1%, 2% or 4% arrangement fee. A wide range of asset classes are considered with no maximum loan amount or property value, offering greater choice for borrowers.
Commercial Owner Occupier Range, with rates now starting from:
- 6.39% for 2-year fixed
- 6.74% for 5-year fixed
These changes have been made to support brokers and their investors who might be looking for opportunities to diversify their portfolios. In September, Allsop recorded their year-to-date commercial sales at £270 million, which is a significant indicator of the commercial market’s performance and reflects investor confidence as they actively seek opportunities to diversify their portfolios.1
Marc Callaghan, Head of Commercial Lending, InterBay said
“With demand rising, the commercial market is moving into a stronger position. We’ve been able to move quickly to support our brokers and their clients with tangible benefits which include rate reductions, lower fees and more choice across our standard product ranges.”
Rob Jupp, CEO, Brightstar said
“Having seen the Bank of England base rate continue to come down throughout 2025, it’s great to see InterBay passing on these benefits to those investing in the future of high streets and commercial spaces. With investors moving in on high street properties, many are adding residential units along with retail spaces to maximise their use, spread the risk of voids and increase revenue. Perhaps this is the start of the high street revolution that many towns and cities have long been hoping for.”
