Hampshire Trust Bank
We provide solutions for complex specialist BTL, residential and commercial bridging requirements. Visit Website
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Who are Hampshire Trust Bank and what do they do?
Hampshire Trust Bank (HTB)
We provide solutions for complex specialist BTL, residential and commercial bridging requirements.
For brokers supporting clients looking to expand, restructure, or diversify their portfolios, HTB provides tailored lending solutions built on expertise, flexibility, and collaboration.
HTB thrives on complexity, offering solutions across a wide range of property types and lending scenarios. Whether it’s a short-term bridge, a development exit, heavy refurbishment, or a long-term investment, our team works alongside brokers to deliver results quickly and efficiently.
Our Products
- Residential Bridging Finance
- Commercial Bridging Finance
- Development Finance
- Auction Finance
- Specialist Buy-to-Let
Bridging Finance – Key Features & Terms
Loan Size & Term
- Maximum loan size: £10m (Developer Exit up to £25m)
- Minimum loan size: £100,000
- Loan term: 12 to 24 months
- Repayment type: Rolled or serviced
Lending Criteria
- LTV: Up to 75% gross
- Income requirement: No minimum
- Regions: England & Wales only
- Arrangement fee: 2%
- Early Repayment Charges (ERCs): Minimum of 3 months’ interest
- Age requirement: Minimum age 18, no maximum age
Eligible Property Types
- Residential houses
- Auction purchases
- HMOs (up to 6 units)
- Low-rise flats (up to 4 stories)
- Heavy refurbishment
- Developer exits
- Land with planning permission
- Commercial & semi-commercial (max 50% commercial element for semi-commercial)
Why HTB?
✔ Speed & Consistency – Fast decisions with a 21-day completion aim.
✔ Complexity Welcomed – Bespoke lending for challenging cases.
✔ Direct Access to Underwriters – No need for scheduled appointments.
✔ Proactive Support – A dedicated team of BDMs & BDEs ensuring smooth progress.
✔ AVMs Available – Streamlining valuations for quicker completions.
Specialist Buy-to-Let – Key Features & Lending Criteria
Who We Lend To
- Individuals, Limited Companies (SPVs, LLPs)
- Sole Traders, Partnerships, Trusts & Offshore Entities
- Portfolio Landlords & Holiday Let Landlords – no maximum portfolio size
- Expats & Foreign Nationals – no UK residency required / footprint
- First-Time Landlords & First Time Buyers – minimum household income of £35,000
- Unlimited Borrowers, Directors, or Shareholders on each application
What We Lend On
- HMOs – no maximum number of rooms
- Multi-Unit Freehold Blocks (MUFBs) – no maximum number of units
- New-Build Flats
- Short-Term, Holiday, and Airbnb Lets – based on actual rental income, not just AST value
- Discounted Purchases
- Serviced Accommodation & PBSA – priced on application
- DSS, Vulnerable & Sitting Tenants
- Low Rental Yielding Properties – requiring outside income or creation of bespoke product
- Flats Above 10 Storeys – of good quality
- Semi-Commercial & Flats Above Commercial Premises
Why HTB?
✔ Tailored Lending Solutions – bespoke structuring for complex scenarios
✔ Direct Access to Decision-Makers – work closely with underwriters & BDMs
✔ Specialist Expertise – HMOs, MUFBs, holiday lets & unique property types
✔ Speed & Reliability – quick decisions and consistent service
About Hampshire Trust Bank
We provide solutions for complex specialist BTL, residential and commercial bridging requirements.
Who are Hampshire Trust Bank and what do they do?
Hampshire Trust Bank (HTB) is a specialist bank providing tailored lending solutions in specialist buy-to-let, bridging finance, development finance, and savings for businesses and individuals across the UK.
HTB supports brokers and their clients through every stage of the property investment lifecycle, from short-term bridging solutions to long-term property finance.
Do Hampshire Trust Bank offer bridging loans?
Yes. HTB provides fast and flexible bridging finance, supporting brokers and their clients across a range of needs, including:
• Development exits – Offering liquidity to developers.
• Refurb-to-let & refurb-to-term solutions – Supporting value-add strategies.
• Auction finance – Ensuring quick completions on time-sensitive purchases.
• Commercial and semi-commercial bridging – Up to 70% LTV.
With AVMs and direct access to underwriters, HTB ensures brokers receive quick decisions and efficient execution.
What do Hampshire Trust Bank's interest rates look like on bridging finance?
HTB offers competitive rates, with flexible interest options, including:
• Rolled-up interest (up to 12 months)
• Serviced interest options available
• Higher LTVs where interest is serviced
What do I need to get a bridging loan with Hampshire Trust Bank?
For an approved decision in principle, brokers must submit an application via HTB’s online portal.
Additional requirements may include:
• Application form – for the initial decision
• Valuation – from HTB’s specialist panel (AVMs available on qualifying properties)
• Property Portfolio Form (if applicable)
• Evidence of funds – deposit or refurbishment costs, if applicable
• Repayment strategy – clear and viable exit plan
• Schedule of works – required for refurbishment cases
HTB’s bridging team includes specialist BDMs and Business Development Executives (BDEs) to ensure direct support and smooth case progression.
How do I apply and how easy is the process?
If you're not yet a registered intermediary, you can speak to one of our BDMs or Lending Managers to get started.
HTB’s online portal allows brokers to:
✔ Submit applications
✔ Upload supporting documents
✔ Track case progress in real time
How long does the application process take and when do I get the money?
HTB aims to complete within 28 days, subject to:
• Prompt access to the security property for valuation
• Timely collaboration from all parties involved
✔ Initial decision within 4 hours
✔ Direct access to underwriters & completions officers throughout the process
✔ AVMs available to speed up valuations
Does Hampshire Trust Bank do any specialist bridging options for things like property, business, etc?
HTB only secures loans on residential and commercial investment property, including:
• Development exits
• Refurb-to-let & refurb-to-term solutions
• Auction finance
• Fully commercial & semi-commercial properties
• Office-to-residential conversions
• Below-market-value transactions
• Land with planning permission
HTB thrives on complex cases, delivering solutions where others hesitate.
What are the pros and/or cons of a bridging loan with Hampshire Trust Bank?
At HTB, we don’t consider there to be any cons—our bridging finance is designed to provide brokers and their clients with flexible, tailored solutions.
However, a consideration is that borrowers must have a clear repayment strategy to ensure a smooth exit.
Pros
✔ Fast decisions – initial response within 4 hours
✔ Quick access to funds – aiming for completion within 21–28 days
✔ Flexible lending – funding complex cases, refurbishments, and development exits
✔ No ERCs – allowing early repayment flexibility
✔ Direct access to underwriters & decision-makers – no need to schedule appointments
✔ AVMs available – streamlining valuations for faster completions
Consideration
➤ Clear repayment strategy required – ensuring a well-defined exit plan is key to a successful bridging facility
