The rate reductions mean that selected commercial products now start from 6.54% and semi-commercial rates start from 5.49%, with both featuring a 5% fee.

Key updates include:

· new commercial owner-occupier range
· refreshed products for commercial investment
· rates reduced by 0.2% for selected products, including commercial owner-occupier and semi-commercial properties with 55% or more residential value
· minimum loan reduced from £150,000 to £125,000 for standard products

Marc Callaghan, head of commercial lending at InterBay (pictured above), commented: “We monitor the market and look at ways that we can best support brokers with commercial clients.

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“Research suggests that for the UK’s industrial and logistics property market, 95% of the sector comprises small to mid-size units.

“This new range has a clear focus on owner-occupier opportunities, helping to support SMEs across this and other commercial sectors.

“This range comes with a choice of fee options including up to 75% LTV across two and five-year fixed products, providing financial solutions for a wide variety of businesses.”

James Hardwick, managing director at Charleston Financial, part of Pivotal Growth, said: “We’ve seen increased interest around owner-occupier in the commercial space throughout the first half of 2025, so InterBay launching this range is very timely.

“This new range will attract a lot of attention, especially as statistics for the UK Q1 2025 retail sector suggest that investment yields are holding steady if not improving, and therefore property values are being supported as a result.”