Hampshire Trust Bank
Specialist LenderHampshire Trust Bank (HTB) is a specialist property finance bank offering buy-to-let, bridging, development, and commercial lending. They focus on delivering bespoke funding solutions for property professionals and developers, with a reputation for reliability and speed of execution.
About Hampshire Trust Bank
Hampshire Trust Bank (HTB) was established as a specialist property finance bank, offering buy-to-let, bridging, development, and commercial lending. HTB focuses on delivering bespoke funding solutions for property professionals and developers. The bank has built a reputation for reliability and speed of execution in the specialist finance market.
HTB serves landlords, developers, and business owners with a range of property finance products. The bank takes a relationship-based approach, working with brokers to structure deals that meet the client's needs. HTB is known for pragmatic underwriting and competitive pricing.
Hampshire Trust Bank is broker-only and works with property finance intermediaries across the UK. The bank holds a full UK banking licence and is regulated by the FCA and PRA. HTB has its headquarters in London.
Lending Focus
Hampshire Trust Bank offers mortgage products across 4 categories including Buy-to-Let, Commercial, Bridging and 1 more.
Key Features
- Comprehensive property finance offering across BTL, bridging, and development
- Commercial lending for experienced property investors
- Fast bridging completions for time-sensitive purchases
- Development finance for residential and mixed-use schemes
- Relationship-driven approach with senior decision makers
Pros & Cons
Pros
- Comprehensive property finance across BTL, bridging, development, and commercial
- Fast bridging completions for time-sensitive purchases
- Relationship-driven approach with access to senior decision makers
- Full banking licence with strong balance sheet
Cons
- –Broker-only — cannot apply direct
- –No residential mortgage products for owner-occupiers
- –Higher fees typical of specialist property finance
Fees & Charges
- Arrangement Fee
- Typically 1–2% of loan amount depending on product
- Valuation Fee
- Based on property value — usually £300–£2,500
- Early Repayment Charge
- Varies by product — typically 1–3 months interest on bridging
- Overpayment Allowance
- Varies by product — check individual terms
Mortgage Rates
Rate data coming soon. View rates on Hampshire Trust Bank
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 1–2 weeks for bridging; 3–6 weeks for development
- Online DIP
- Yes — available online
- Offer Valid For
- 3 months for bridging; 6 months for term lending
Lending Criteria
- Maximum LTV
- 80%
Frequently Asked Questions
Does Hampshire Trust Bank offer bridging finance?
Yes, Hampshire Trust Bank (HTB) offers bridging finance with fast completions for time-sensitive purchases alongside their BTL, development, and commercial lending.
Is Hampshire Trust Bank a real bank?
Yes, Hampshire Trust Bank holds a full UK banking licence and is regulated by the PRA and FCA. They also offer savings accounts alongside their property finance products.
What types of development does HTB finance?
Hampshire Trust Bank provides development finance for residential and mixed-use schemes, serving experienced developers with a relationship-driven approach.
How to Apply
Broker only. Hampshire Trust Bank products are available through mortgage brokers. Find a broker with Hampshire Trust Bank on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Together Money | Residential, Buy-to-Let, Commercial+3 | Specialist | 80% |
| Shawbrook Bank | Buy-to-Let, Commercial, Bridging+2 | Specialist | 75% |
| Octopus Real Estate | Buy-to-Let, Commercial, Bridging+3 | Specialist | 75% |
| Aldermore | Residential, Buy-to-Let, Commercial+1 | Specialist | 85% |
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