Hampshire Trust Bank (HTB) has adjusted its buy-to-let pricing on larger loans to better reflect lower leverage and more conservative borrowing structures.
The specialist lender has enhanced pricing on buy-to-let loans above £1 million, introducing clearer differentiation at lower loan-to-value levels.
Where cases are structured with reduced leverage, pricing now steps down accordingly, strengthening the link between risk, servicing strength and cost.
The move is intended to give brokers greater confidence when structuring borrowing for professional landlords, particularly where established portfolios already carry relatively low levels of debt and new borrowing is introduced selectively.
The change comes at a time when affordability and servicing considerations are playing a more decisive role in buy-to-let decision-making. Many professional landlords are reassessing how debt fits within longer-term portfolio strategies, with closer scrutiny on cost and sustainability rather than maximising leverage.
By more clearly rewarding lower LTVs, the revised pricing is designed to support brokers reviewing how and when borrowing is introduced across larger portfolios, particularly where landlords are adjusting existing leverage or reconsidering previously marginal cases.
Alex Upton, managing director, specialist mortgages and bridging finance at Hampshire Trust Bank, said: “Professional landlords are thinking much more deliberately about how they use leverage. In that context, pricing needs to do more than simply enable borrowing.
“It needs to reflect how a case is structured and the level of risk being taken. This change ensures that lower leverage and stronger servicing are recognised clearly in pricing, and reflects how we believe specialist buy-to-let lending should be structured.”
Andrea Glasgow, sales director, specialist mortgages and bridging finance at Hampshire Trust Bank, added: “For brokers, this is about having greater control over structure and cost, particularly when advising professional landlords who are being more deliberate about how leverage is used.
“It supports more balanced conversations with landlords who may be introducing borrowing for the first time, adjusting leverage across an existing portfolio, or revisiting cases where cost previously made debt unattractive.
“Clearer pricing at lower LTVs gives brokers another practical lever when shaping longer-term portfolio decisions with their clients.”
The updated pricing applies to buy-to-let loans over £1 million and is available now.
