hampshire trust bank

Hampshire Trust Bank

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:

  • £35M max. loan
  • 2 & 5-year fixed options.
  • Lend to property’s housing vulnerable tenants
  • HMO – No cap on rooms
  • MUFB’s
  • Portfolio landlords no limit on the size of portfolio

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
Criteria Overview – why consider HTB

HMO’s:

  • No cap on rooms
  • Can be above commercial (even on same title so mixed use)
  • Commercial valuations used above 6 rooms
  • No HMO landlord experience required
  • First time landlord HMO

MUFB’s:

  • No cap on units often – above 20/30 in one block
  • Can lend when broken freehold in play (on referral)
  • Developer exits
  • Investor led

Portfolio lending:

  • No cap on the amount of properties
  • Lend up to £25,000,000
  • Can deal with complex ownership structures
  • Mixed portfolios ( could consist of HMO’s standard lets holiday lets etc)
  • One application

Short term rentals:

  • Can use the passing rent and not rely on AST
  • Holiday lets, Airbnb
  • Serviced accommodation
  • MUFB’s / blocks of holiday lets
  • First Time Landlord Holiday let
  • Expat holiday let

Vulnerable Tenants:

  • Social Housing
  • CQC registered providers
  • Local council contracts
  • Part time or live in care
  • Charities

Semi Commercial:

  • Lending above bars, Bistros, cafes, takeaways, restaurants
  • Can look to support the loan based of AST rental income
  • Larger mixed-use property accepted, several flats above with several commercial units below
  • First time buyers
  • Can bring into a residential portfolio without splitting out