Hampshire Trust Bank (HTB) has completed a £6.4 million refinance for a 43-property portfolio, enabling the borrower to meet a tight deadline and unlock liquidity for future acquisitions.

Earlier this year, the borrower acquired the North West property portfolio at 30% below market value through a bridging loan. Faced with a pending bridge loan payment, they sought a refinance to meet the deadline and release additional funds for future investments.

Thanks to close collaboration between HTB and The UK Adviser, the case was completed quickly. Wes Baker, business development manager at HTB for the North of England, and Stephen Mettler, senior underwriter at HTB, worked to ensure a full redbook valuation was instructed immediately, moving the case from offer to funding in five days.

Legals were paid even before the case had been formally offered, so the borrower could meet the impending bridge payment deadline.

As a result, the client retained 43 properties, sold two, and raised a seven-figure sum for future property investments.

Andrea Glasgow, sales director of specialist mortgages at HTB, said: “This case had all the hallmarks of a complex transaction – tight deadlines and multiple moving parts – but that’s where HTB excels. We worked closely with the broker to craft a tailored solution, meeting the client’s needs not just in terms of speed, but by unlocking the flexibility needed to expand their portfolio in a competitive market. Our ability to adapt and respond to individual client requirements is at the heart of what we do.”

Baker added: “In cases where time is critical, communication is key. At HTB, we pride ourselves on keeping everyone connected – from the broker to our underwriting and legal teams – so that no detail is overlooked. For this deal, it was our collaborative approach that made all the difference, allowing us to complete the refinance swiftly and without compromise.”