InterBay
InterBay is a financial services company located in Fareham, England. They specialize in mortgage brokering and trust banking. InterBay is committed to providing their clients with the best possible financial solutions and services. They are dedicated to helping individuals and businesses achieve their financial goals.
Introduction to InterBay
InterBay is a UK-based financial services company that specializes in providing mortgage broker and trust bank services. The company was founded in 2006 and has since then been providing excellent services to its customers. InterBay is unique because it offers a wide range of financial services to its customers, making it a one-stop-shop for all their financial needs.Services & Products
InterBay offers a variety of services to its customers. The company provides mortgage broker services, which include buy-to-let mortgages, commercial mortgages, and residential mortgages. InterBay also offers trust bank services, which include deposit accounts, fixed-term deposits, and notice accounts. The company's financial services are designed to help customers achieve their financial goals.Location
InterBay is located in Solent Business Park, Forum 4, Whiteley, Fareham PO15 7AD, in England. The area is known for its business parks, and customers can expect to find a variety of businesses in the area. There are also several shopping centers and restaurants nearby. The closest public transportation options are the Swanwick railway station, which is 1.5 miles away, the Botley railway station, which is 2.4 miles away, and the Fareham railway station, which is 3.1 miles away.Benefits
InterBay is a trusted financial services company that offers its customers a range of benefits. The company provides excellent customer service and is committed to helping its customers achieve their financial goals. InterBay's mortgage broker and trust bank services are designed to be flexible and to meet the individual needs of its customers.Good to know
Customers should be aware that InterBay is committed to providing transparent and fair financial services. The company's mortgage broker and trust bank services are designed to be easy to understand, and customers can be assured that they will receive the best possible advice.Reviews
InterBay has received positive reviews from its customers. Customers have praised the company for its excellent customer service, transparency, and flexibility. Many customers have also commented on how easy it is to understand the company's financial services. Overall, customers have found InterBay to be a reliable and trustworthy financial services company.Amenities
-
financial advice -
home loan pre-approval
-
low interest rates
-
fast approval
-
flexible repayment options
-
personalized service
-
refinancing options
-
home equity loans
-
loan services
-
investment services
-
financial planning
FAQ
How do you ensure the privacy and security of customer information?
At InterBay, we take the privacy and security of our customer's information very seriously. We have implemented advanced security measures, including encryption and firewalls, to protect our customers' data. We also have strict policies and procedures in place to ensure that only authorized personnel have access to customer information.Can you provide examples of successful trust and estate planning your bank has done in the past?
As a mortgage broker, we do not offer trust and estate planning services. However, we work with trusted trust banks and financial services providers who can provide these services to our customers.What are your interest rates?
Our interest rates vary depending on a number of factors, including the type of mortgage, the loan amount, and the borrower's creditworthiness. We encourage our customers to speak with one of our experienced mortgage brokers to get a personalized quote based on their specific needs and circumstances.What are the fees associated with your services?
Our fees vary depending on the type of mortgage and services provided. We are transparent about our fees and will provide a full breakdown of any fees associated with a mortgage before our customers agree to proceed.How long does it typically take to process a mortgage application with your company?
The time it takes to process a mortgage application can vary depending on a number of factors, including the complexity of the application, the responsiveness of the borrower, and the lender's processing times. However, we strive to process applications as quickly as possible and aim to provide our customers with a decision within one to two weeks.Reviews
-
Matt D
DO NOT USE! Everyones already written it! Awful company, scam you out of fees, drag out the process and then pull out of the deal. It won’t happen to me… it will, and it did!
28-04-2023
-
Channel Local
Unregulated loan sharks - Interbay I am writing to express my dissatisfaction with Interbay UK, hopefully, this and other reviews on this lender helps you to avoid serial disappointments. For the past twelve months, I have been dealing with this loan shark and have been incredibly patient throughout the process. Despite being compliant with all requests within hours and paying for two valuations that cost me £2,000, my broker submitted the application in March 2022. Since then, I have been subjected to delays of 2-9 weeks for each stage that required Interbay to act. The interruption of the process has been incredibly frustrating and was further compounded when, after two attempts, they managed to complete the valuation report in July 2022, only to have received a mortgage offer on 16th November 2022 - five months later. In order to progress the transaction, and expedite the process, I paid the conveyancers a further £4,000 for dual representation. Despite the conveyancing company doing all they could to move the process forward, Interbay has continued to delay and slow the process down even further. To make matters worse, the valuation report expired on the 18th of January 2023. The mortgage offer was made 5 months into the valuation, the delays from Interbay exhausted the valuation report by 5 months. Due to the Christmas period and one month remaining, it was impossible to complete it in time. Despite a request for a small extension well in advance, this was also ignored by Interbay. I am extremely dissatisfied with the service provided by Interbay UK and I am now at a loss of both time and money that I cannot get back. I contacted the financial ombudsman, they are sadly unable to help either as Interbay is an unregulated operator.
28-02-2023
-
BYUL LAKBH
Gave an offer knowing the valuation expired. Paid over 3k to their own lawyers who pointed this out and they dropped out. Scammed me out of 3k, waited 9 months for the offer in the first place. You’d be an absolute FOOL to use this company, they are by far the worst and incompetent “lenders” I have ever seen. Thanks you scam artists, I will take this further
28-02-2023
-
Christian Phillips
Absolutely terrible service! They gave us an unrealistic deadline and conditions and once they’d received our money, pulled the offer! AVOID AT ALL COSTS!
28-01-2023
-
Heer Hazara
Only trust this company if you have YEARS to wait for them to make a decision about your application. They will make you waste 1000s during the process and leave you in uncertainty. We are finally withdrawing our application after 9 months of uncertainty and £2000 loss. Stay away from them to avoid misery!
28-12-2022
-
Asif Mehdvi
Time waisters 6 month of time and money waisted for nothing Don't even try these people .😒😒😒
28-11-2022
-
Kish Panchani
STAY AWAY!! From this company. It was by far the worst decision I ever made and the worst company to deal with ! This company just lead you on a ride to the point they’re happy to take the mortgage fee and there lenders solicitors fee from you however in the end they do not give you the funds! I started my process with interbay via a broker in feb 2022 it took me until end of august 2022 (7months) just to get approved no fault or complications of my own! it takes them 3/4 weeks just to respond and take action on calls and emails, just to tell you what you want to hear when you try to chase it up. From when I got approved at the end of august, we kept chasing and chasing them via emails calls etc we was waiting and waiting and next received contact 3 weeks later and they asked to pay there solicitors fee of £1800. I paid this straight away, it took another 3 weeks to sort there paperwork out!! and when my solicitor asked for funds to be cleared they kept saying it’s there solicitors fault and there solicitors will say they’re waiting for interbay this had been on going for another 3 weeks! until it got to October so it took me 9weeks from being approved to just get to the point of where they both agreed to clear funds! Dragging me along further they kept saying by the end of the week I will have funds to the point it’s the end of October and after constantly chasing them they haven’t been in contact whatsoever and still haven’t to this day! They’re the biggest waste of time and money stay well away from them and the brokers that put you in there direction because they well know the troubles there clients have with this firm and still offer interbays mortgages to their customers all to get paid. Eventually I bought the property I wanted after luckily finding last minute cash funding from friends and family but my vendors then decided to ask for another 10k on exchange on top due to me timewasting and other offers coming in, so in 9 months of dealing with interbay I was out 2.5k in fees and extra 10k on top I had to pay to complete and received no funds from them! . They play with peoples livelihoods and don’t care whatsoever of the stress and costs they cause people they’re out to rob people and waste peoples time and money they never actually intend on lending even tho my loan to value was only ever like 35%. I’m lucky I have borrowed from friends and family last minute before my vendors were due to pull out but not everyone is and still to this day I haven’t heard from interbay! They don’t even deserve 1 star!
28-11-2022
-
Lookman Imam
28-10-2022
-
ray a
STAY AWAY FROM THEM!!! They are all liars and all they do is make mistakes. They think it's all a joke and they feel it's fine to mess around with people lives. They want to get paid big sums of monies upfront but not bothered to do any work. Wouldn't recommend anyone using them, no matter how much they insist in you using them. No wonder they are going round begging for business all the time!!
28-08-2022
-
The Oberholzer Twins
Absolutely appalling. They insist that you use (and pay for) the solicitor of their choice, they then do not answer the phone and take over a month to reply to an email (and blame Interbay). If you need to use this company to do a residential mortgage AVOID AT ALL COSTS or you will lose your sale. I have never know a service as poor as this one. I have been attempting to get a remortgage completed with this company since the end of May (almost three months) and we are nowhere even close at this stage. I am now asking for the £3000 legal fees that I paid upfront to be reimbursed - the valuation fee of £1345 I fear is lost. I would never go near this company again, they are completely disinterested in you as a human!
28-08-2022
