Hampshire Trust Bank

We provide solutions for complex specialist BTL, residential and commercial bridging requirements. Visit Website


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We provide solutions for complex specialist BTL, residential and commercial bridging requirements.

For your clients looking to expand, restructure or diversify their portfolios, our specialist team work with you to help find the perfect solution. As part of this, we are constantly innovating and expanding our proposition to reflect market volatility and borrowers evolving needs

Buy-to-Let Features

  • Innovative product range up to £15m
  • Up to 75% NET LTV lending (Arr. fees can be added)
  • No maximum age
  • No minimum income
  • Fixed rates for 2 or 5 years

Lending to:

  • Limited companies
  • Expats
  • Trusts and offshore
  • Foreign nationals

Lending on:

  • Large and small portfolios
  • Holiday lets
  • HMOs
  • Serviced accommodation
  • Sitting tenants
  • New build flats
  • Purpose built student accommodation

Residential and Commercial Bridging Features

  • Up to 75% gross LTV
  • Dual legal representation
  • We aim for 21 days from application to completion
  • No ERC’s

Specialist in

  • Refurb-to-let
  • Refurb-to-term
  • Traditional bridge
  • Auction purchase

To find out more about HTB’s offering, please visit our website, www.htb.co.uk

Hampshire Trust Bank FAQs


Who are Hampshire Trust Bank and what do they do?

Hampshire Trust Bank (HTB) is a leading specialist bank that provides specialist mortgages, development finance, asset finance and savings accounts to businesses and individuals in the UK  (Include history of company, any claims to fame, etc.

Do Hampshire Trust Bank offer bridging loans? 

Hampshire Trust Bank provides flexible and reliable bridging finance for borrowers in a wide variety of circumstances to help provide quick and flexible solutions for the purchase of residential or commercial property; breathing space until you sell a property or exiting a development, quick purchase at auction, purchasing or refinance of residential investment property for light refurbishment.

What do Hampshire Trust Bank’s interest rates look like on bridging finance? 

Hampshire Trust Bank offers competitive rates that range from 0.55% to 0.65% per month, with up to 12 months interest roll up or 18 months (with up to a max of 12 months rolled up interest and serviced thereafter serviced) – where interest is serviced, LTV maxima can accommodate a higher initial loan amount.

What do I need to get a bridging loan with Hampshire Trust Bank?

For an approved decision in principle, we require a completed application form, which can be completed on our brand new portal.

Depending on the type of transaction, we will require some of or all of the following requirements prior to completion:

  • Application Form – submitted for the initial decision
  • Valuation – this can be sourced from our specialist panel providers, who can provide quick turnaround times
  • Property Portfolio Form – if applicable
  • Evidence of deposit funds / refurbishment funds – if applicable
  • Summary as to the requirements of the customer
  • Repayment – a plausible repayment statement – how will the Bank be repaid?
  • If refurb?   Schedule of works

How do I apply and how easy is the process? 

If you are not currently a registered intermediary, you can speak directly to one of our BDMs or Lending Managers who will be able to help you get started or you can submit your application on our brand new portal which allows you to track your applications real time and upload documents.

How long does the application process take and when do I get the money? 

We aim to complete within 28 days, but this requires all parties involved to work together effectively and for the valuer to have immediate access to the security property.

We will also get you an initial decision in 4 hours with access to a dedicated underwriter and completions officer to support you throughout the process.

Does Hampshire Trust Bank do any specialist bridging options for things like property, business, etc? 

Hampshire Trust Bank only secure on residential or commercial investment property.

What are the pros and/or cons of a bridging loan with Hampshire Trust Bank?


  • Bridging loans are quick to arrange – you can get an agreement within 4 hours
  • Investors can take advantage of time-sensitive buying opportunities
  • Flexible lending to non-standard properties
  • Borrowers can access large sums secured against property quickly


  • Interest rates are higher than longer term loans
  • Identified exit route or repayment strategy

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About Hampshire Trust Bank

We provide solutions for complex specialist BTL, residential and commercial bridging requirements.

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