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.
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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
We're working on adding live mortgage rate information for Hampshire Trust Bank. In the meantime, visit their website for the latest rates.
View rates on Hampshire Trust BankApplication 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?
Is Hampshire Trust Bank a real bank?
What types of development does HTB finance?
How to Apply
Broker Only
Hampshire Trust Bank products are only available through mortgage brokers. Use our broker directory to find a broker with Hampshire Trust Bank on their lender panel.
Contact Information
Need a Hampshire Trust Bank Broker?
Find FCA-regulated mortgage brokers who have Hampshire Trust Bank on their lender panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.