HTB increases maximum lending to £35 million across Specialist Mortgages and Development Finance

23 April 2025

Hampshire Trust Bank (HTB) has increased its maximum lending per customer from £25 million to £35 million across both its Specialist Mortgages and Development Finance divisions, in response to the evolving needs of professional landlords and property developers.

The move reflects structural shifts in the UK property market. Challenges facing landlords are accelerating the professionalisation of the private rental sector, leading to larger, more sophisticated portfolios that require tailored, high-value funding. At the same time, national efforts to address the housing shortage mean developers are being tasked with delivering more homes, often at greater scale.

HTB’s increased lending limit allows the bank to support this changing landscape - backing professional landlords with complex structures and portfolio strategies, as well as experienced developers delivering multi-unit residential schemes.

Alex Upton, Managing Director – Specialist Mortgages and Bridging, said:

“This is a natural step for us. Brokers are already bringing us substantial portfolio cases. These are no longer one-offs - they’re a core part of the business. The uplift gives us more capacity to support those transactions with the same agility, care, and clarity that brokers expect from HTB. We know that what matters most is working with people who understand the deal and help get it over the line. That’s where we thrive.”

Neil Leitch, Managing Director – Development Finance at HTB, added:

“The housing challenge isn’t going away - and neither is our commitment to backing the developers who are tackling it. We’re seeing increased demand from experienced developers who are ready to deliver more homes but need a funding partner who can keep pace. By increasing our maximum lending appetite, we’re giving them the confidence that we’ll be there to support them.”