Brilliant Solutions

The office will be closed from 5pm today for staff training, open as normal tomorrow. 

Our office will be closed from 5pm Thursday, 20th October to 9am Friday, 21st October.
If you have any cases or enquiries that this may affect, please contact our team today. We apologise for any inconvenience.

We are currently experiencing some technical issues that are affecting our telephone lines and internet connection.

We hope to resolve this asap. Apologies for the inconvenience.


In honour of Her Majesty Queen Elizabeth II our offices will be closed on Monday 19th September while our staff pay their respects.

The office will re-open at 9am on Tuesday 20th September.

As experts in delivering bespoke broker solutions, InterBay specialises in commercial, semi-commercial, buy to let, holiday let and bridging lending.   

With our extensive market knowledge, we look to say ‘yes’ to complex cases where others may say ‘no’ to help find the right solutions for you and your clients. 

Our underwriters work in close partnership with our in-house teams, including our specialist finance account managers, real estate and completions, to create bespoke lending solutions that support you in meeting your clients’ needs. 

Why choose InterBay ?

As experts in commercial, semi-commercial, buy to let, holiday let and bridging lending, there’s no case too big or too complex for us. Below are just a few ways in which we could help.

How could we help your customers?

Buy to Let Mortgages 

With experience in high-value cases and complex ownership structures, we could help your clients with more than just standard buy to lets.  

    • No maximum loan amount and no maximum property value.


    • HMOs/MUFBs of any size accepted.


    • More involved ownership structures permitted.


    • Multiple properties accepted on a single loan. 

Commercial and Semi-Commercial

When it comes to commercial and semi-commercial lending, we understand the demands and challenges your clients may face.  

  • Most asset classes considered.
  • No maximum loan amount.
  • No maximum property value.
  • Owner occupier and investment applications accepted. 

Bridging Finance 

From buy to let HMO conversions to large refurbishments, our range of bridging solutions means we have all bases covered 

  • New two-tier proposition which allows light refurbishment works through to more complex projects which alter the external footprint or outline of a property, or requires planning permission.


  • New developer exit range.
  • Expanded solicitor panel.


  • Conversions into flats accepted. 

Holiday Lets 

Our holiday let offering could provide clients letting out properties on a short-term basis with the solutions they need, however complex or challenging their case.

  • No maximum property value.

  • Personal use for up to 60 days a year.

  • Personal ownership and limited companies allowed. 

  • Affordability assessed on commercial rental income (average of high, medium and low seasonal rates). 

Specialist Support

As part of the wider OSB Group, our sales team has joined forces with the business development managers (BDM) from Kent Reliance for Intermediaries to create one dual-branded team.  

As experts in what both brands can offer, the team is able to provide you with even more support, further enhancing the service we can provide to you and your customers.  

So whether you want to communicate with the team face-to-face, or prefer to speak to us via telephone, video conferencing or webchat, get in touch and find out how we could help. 

Tools and Useful Links

Along with our diverse range of products, in-house expertise and individual case assessments, we also offer a wealth of other resources to help you find solutions to your complex cases, including:    

Find out how much your client could borrow.

Find out how much your client could borrow.

Track down the information you need with our online criteria guide.

Includes essential documentation, from application forms to useful ‘how to’ information.

Find out how our in-house team could help you find solutions to your high-value cases.

The latest Insights & Opinions on the Specialist Sector.

Part of the OSB Group





Get in Touch

For further details about any of our products, or if you’ve got a question you need answering, please get in touch with your specialist finance account manager. 

You can also speak to our broker sales support team by calling 0345 878 7000 or contacting them via Live Chat. 

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