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Hampshire Trust Bank Review

Figures last checked . Independent review by Lendus — we are an introducer, not a lender, and are not paid by Hampshire Trust Bank.

What does Hampshire Trust Bank offer UK businesses?

Hampshire Trust Bank does not offer a direct lending product. HTB does not publish rates for direct comparison. Figures checked 23 August 2026 and indicative only.

Hampshire Trust Bank (HTB) is a UK specialist bank, originally incorporated in 1977 and relaunched in 2014 under new ownership backed by Alchemy Partners. HTB is a full deposit-taking bank, authorised by the Prudential Regulation Authority and regulated by both the FCA and the PRA. It offers residential and commercial bridging finance, development finance, and specialist mortgages (including buy-to-let and semi-commercial), lending through registered mortgage and finance brokers rather than directly to the public. HTB also runs an award-winning savings business for retail and business savers, which sits alongside its specialist lending divisions.

Written by the Lendus editorial team. Last updated: April 2026.

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Amount

£0 – £35M

Rates

N/A – N/A

HTB does not publish rates for direct comparison; bridging, development finance and specialist mortgage pricing is provided via rate cards issued to registered brokers through HTB's PUMA intermediary portal; HTB does not publish a minimum loan size, so no minimum is stated here

Speed

Bridging finance targets 21 days from application to completion, supported by dual legal representation; specialist mortgage and development finance timescales are assessed case by case with a broker

What is Hampshire Trust Bank?

Hampshire Trust Bank (Hampshire Trust Bank Plc) is a UK-based business finance provider founded in 1977 and headquartered in London. Hampshire Trust Bank (HTB) is a UK specialist bank, originally incorporated in 1977 and relaunched in 2014 under new ownership backed by Alchemy Partners. HTB is a full deposit-taking bank, authorised by the Prudential Regulation Authority and regulated by both the FCA and the PRA. It offers residential and commercial bridging finance, development finance, and specialist mortgages (including buy-to-let and semi-commercial), lending through registered mortgage and finance brokers rather than directly to the public. HTB also runs an award-winning savings business for retail and business savers, which sits alongside its specialist lending divisions. They have lent £3.5 billion+ to UK businesses and individuals in 2024 to date.

Founded 1977 London Hampshire Trust Bank Plc is a full UK bank, authorised by the Prudential Regulation Authority (PRA) and regulated by both the Financial Conduct Authority (FCA) and the PRA, firm reference number 204601. Customer deposits are protected by the Financial Services Compensation Scheme (FSCS).

Where these details come from

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Products offered

Bridging LoansDevelopment FinanceCommercial Mortgages

Rates and costs

Rate range
N/A – N/A (HTB does not publish rates for direct comparison; bridging, development finance and specialist mortgage pricing is provided via rate cards issued to registered brokers through HTB's PUMA intermediary portal; HTB does not publish a minimum loan size, so no minimum is stated here)
Amount range
£0 – £35,000,000
Approval speed
Bridging finance targets 21 days from application to completion, supported by dual legal representation; specialist mortgage and development finance timescales are assessed case by case with a broker

Eligibility requirements

Minimum trading history
No minimum published; HTB lends only through registered intermediaries and assesses each case individually rather than against a fixed trading history rule
Minimum turnover
None published; HTB's bridging, development finance and specialist mortgage products are property and asset backed and underwritten case by case
Credit requirements
HTB underwrites complex and non-standard cases, including specialist buy-to-let, semi-commercial property and residential or commercial bridging, and development finance. Detailed credit criteria, fees and rates sit within HTB's intermediary rate cards rather than being published publicly, and applications must be submitted through a registered mortgage or finance broker rather than directly by the borrower.

How to apply

1

Check eligibility through Lendus, answer a few questions about your business and funding needs (2 minutes)

2

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3

Review your matched options, see rates, terms, and eligibility from multiple providers including Hampshire Trust Bank

4

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Pros and cons

Pros

  • Full UK bank status; authorised by the PRA and regulated by both the FCA and PRA, with deposits FSCS protected
  • High per-customer lending ceiling, recently raised to £35 million across bridging, specialist mortgages and development finance
  • Bridging completions targeted within 21 days, backed by dual legal representation
  • No Early Repayment Charges on bridging finance
  • Covers a broad specialist property finance range: bridging, development finance, and specialist, semi-commercial and buy-to-let mortgages

Cons

  • Intermediary-only; borrowers cannot apply directly and must go through a registered mortgage or finance broker
  • Rates and detailed lending criteria are not published; they are only available via broker rate cards
  • No published minimum loan size, making it harder for smaller borrowers to judge eligibility upfront
  • Not a day-to-day business bank; HTB does not offer standard business current accounts

Is Hampshire Trust Bank right for you?

Best for

Property investors, developers and businesses with complex or larger scale bridging, development finance or specialist mortgage needs, applying through a registered broker

Not ideal for

Borrowers who want to apply directly without a broker, those needing day-to-day business banking, or smaller cases where published rates are needed upfront for comparison

Hampshire Trust Bank alternatives

If Hampshire Trust Bank isn't the right fit, consider these alternatives:

Shawbrook Bank Aldermore Bank Close Brothers Together

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Frequently asked questions about Hampshire Trust Bank

Is Hampshire Trust Bank (HTB) legit?
Yes. Hampshire Trust Bank Plc (company number 01311315) is a genuine UK bank, originally incorporated in 1977 and relaunched in 2014 under Alchemy Partners' ownership. It is authorised by the PRA and regulated by both the FCA and PRA under firm reference number 204601, and customer deposits are protected by the FSCS. You can verify its Companies House record at find-and-update.company-information.service.gov.uk.
Is Hampshire Trust Bank FCA regulated?
Yes. HTB is a full deposit-taking bank, so it holds both FCA and PRA authorisation under the same firm reference number, 204601. The PRA leads its prudential (capital and solvency) supervision as a bank, while the FCA regulates conduct. This is a stronger regulatory footing than the FCA-only authorisation held by most non-bank specialist lenders.
What does Hampshire Trust Bank lend on?
HTB lends across three specialist property finance divisions: residential and commercial bridging finance, development finance, and specialist mortgages (including buy-to-let and semi-commercial property). All lending is arranged through registered mortgage and finance brokers rather than direct applications.
How much can I borrow from Hampshire Trust Bank?
HTB does not publish a minimum loan size; loan amounts are assessed case by case through a broker. On the upper end, HTB recently raised its maximum lending per customer from £25 million to £35 million across its specialist mortgages, development finance and bridging divisions, reflecting growing demand from landlords and developers.
What are Hampshire Trust Bank's bridging loan rates?
HTB does not publish bridging rates for direct comparison; pricing is issued to registered brokers through HTB's PUMA intermediary portal via rate cards. Published product features include lending up to 75% gross LTV, a target of 21 days from application to completion with dual legal representation, and no Early Repayment Charges.
Can I apply to Hampshire Trust Bank directly?
No. HTB is an intermediary-only lender; borrowers cannot apply directly and need to go through a registered mortgage or finance broker. Lendus compares HTB alongside 200+ other lenders so you can see how it stacks up before approaching a broker.
Hampshire Trust Bank vs Shawbrook, which is better for specialist property finance?
Both are FCA and PRA regulated banks offering bridging, development finance and specialist mortgages through brokers, so the better fit depends on the specific case. HTB has recently pushed its per-customer lending ceiling up to £35 million, which suits larger or more complex transactions. Shawbrook has a longer track record across a wider range of specialist lending products and loan sizes. Neither publishes rates for direct comparison, so getting quotes through a broker on both is the practical way to compare them for a given deal.

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