InterBay, part of OSB Group, has made changes to its commercial lending products, including a new range for owner occupiers.
Rates on selected commercial products have dropped to 6.54%, and semi-commercial rates now start from 5.49%.
Both options come with a 5% fee.
Additionally, the lender has cut the minimum loan size for standard products from £150,000 to £125,000.
The range covers commercial owner occupier loans, refreshed commercial investment products, and a 0.20% rate reduction for some products, including commercial owner occupier and semi-commercial properties with at least 55% residential value.
Marc Callaghan (pictured), head of commercial lending at InterBay, said: “We monitor the market and look at ways that we can best support brokers with commercial clients.
“Research suggests that of the UK’s industrial and logistics property market, 95% of the sector comprise 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.”
Callaghan added: “This range comes with a choice of fee options including up to 75% LTV across 2 and 5-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.”
