Hampshire Trust Bank (HTB) has broadened its specialist mortgages offering by applying standard buy-to-let rates to qualifying semi-commercial loans.
The revised terms will apply to cases exceeding £5 million where the commercial element accounts for no more than 20% of the overall property. The move is intended to assist brokers structuring mixed-use deals with limited commercial usage, in response to growing demand for investment properties with a residential focus.
The enhancement forms part of HTB’s continued emphasis on structured lending and deal-by-deal underwriting. Properties with minimal commercial content, such as ground-floor retail or takeaway units beneath residential accommodation, have become increasingly attractive to investors seeking yield, diversification and long-term value. Where the commercial income is not required to meet the Interest Cover Ratio, brokers will now have access to standard buy-to-let rates without the need to sacrifice complexity or service.
Andrea Glasgow (pictured), sales director – specialist mortgages and bridging finance at HTB, said “We’ve seen a clear rise in demand for mixed-use property, particularly where the commercial part is modest but contributes to a strong overall return. These are often flats above shops or mixed-use assets where the commercial use is stable and predictable, such as a convenience store or takeaway. The structure is sound, the return is strong, and the pricing should reflect that. This change brings more flexibility.
“As always, brokers have direct access to the underwriter and the support of a team that knows how to get these deals moving.”
Alex Upton, managing director – specialist mortgages and bridging finance at HTB, added: “This is a strategic pricing adjustment that reflects how investor behaviour is changing. Semi-commercial assets with low commercial content are becoming a core part of long-term portfolio strategies. By aligning our pricing, we are reinforcing our commitment to supporting well-structured cases with the right level of flexibility.
“It is a practical enhancement that demonstrates the strength of our proposition, built on clarity, long-term relationships and lending that evolves with our brokers and their clients.”
