Hampshire Trust Bank

Who they are

HTB is a specialist bank built around brokers, funding complex residential investment and development through development finance, bridging, term and specialist BTL. Brokers and borrowers have direct access to decision-makers, with dedicated teams providing clear ownership of each case from initial enquiry through to completion. We are funded through bank deposits and securitisation, providing certainty of funding. There are no exit fees on bridging, arrangement fees are typically 2% while valuation fees vary and dual representation is available in bridging and mortgages. Our teams bring deep experience across complex structures, portfolios and specialist property types.

Their ethos

We do not offer one size fits all. Every facility is structured around the client, the asset and the broker’s plan, with manual underwriting and direct access to decision-makers throughout. Our funding model, supported by deposits and securitisation, ensures capital is consistently available to deploy. We support brokers across bridging, term and development, helping clients move from acquisition through to refinance or exit. We factor sustainability into our lending decisions, supporting long-term housing needs and responsible investment. We focus on clarity, structured lending and consistent delivery, building long-term relationships with brokers and their clients.

What they specialise in

We structure bridging, development and term funding for complex residential investment, including HMOs, MUFBs, semi-commercial property, holiday lets, BTR and PBSA. We support portfolio landlords, professional investors and SME developers across acquisition, refinancing, refurbishment and exit strategies.

Meet the team

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