For remortgages, the solicitor must confirm sight of a copy of the Licence prior to release of funds or confirmation that a HMO licence application has been made Interbay Commercial is able to offer a portfolio loan across multiple securities where the applicant is looking to refinance or purchase a portfolio InterBay Commercial calculates the loan to value based on the lower of the purchase price or the property value as determined by the valuer Limited company applications will require all directors to provide a Personal Guarantee for which we require them to have obtained independent legal advice
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Interbay Commercial will base their lending off the valuation or purchase price whichever is the lower with exception to family discounted purchase Please refer to ournbsp;Proof of Name and Address documentnbsp;for full details of our ID and Residency validation requirements We accept properties of traditional andnbsp;Modern Methods of Construction MMC We will not lend on any property with either ongoing movement or where monitoring is required where this is identified by either the valuer, or where evident in the structural engineer’s report
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Freehold flats/maisonettes are unacceptable with the exception ofnbsp;Multi-Unitnbsp;properties A property being purchased from a family member at a discounted price is acceptable providing that the family member will not continue to reside Early Repayment Charges may apply to your customer if they decide to repay all or part of their mortgage early In the event the applicant and family members have different surnames, we require evidence of a family name connection such as a marriage certificate
Contains 7 or more bedrooms and may comprise multiple kitchens and bathrooms and/or kitchenettes and en-suite facilities These are less likely to appeal to owner occupiers as significant expenditure will be required to reinstate the property We are unable to lend on a property where new or existing tenants are related to the applicant A minimum of 12 months employment history is required for all employed / self-employed applicants