Hampshire Trust Bank (HTB) has increased its maximum customer exposure to £35 million across its Specialist Mortgages and Development Finance divisions, in a significant move to support the growing demand for high-value, tailored lending solutions in the professional landlord and residential development sectors.

The £10 million increase – from the previous £25 million cap – reflects the structural evolution of the UK’s property landscape, where consolidation and scale are redefining borrower profiles.

HTB says the change enables it to better serve professional landlords operating complex portfolios and developers delivering multi-unit residential schemes in response to national housing targets.

STRATEGIC RESPONSE

Alex Upton (main picture, left), managing director – specialist mortgages and bridging, said the uplift is a response to clear demand signals from the intermediary market.

And she added: “We’re seeing a steady flow of large, complex portfolio cases from brokers – this isn’t an anomaly anymore; it’s the new normal. Increasing our lending ceiling gives us more headroom to support these clients with the same clarity, speed, and broker-first approach we’re known for.

“What brokers value most is working with a lender who understands the deal – and gets it done. That’s where HTB adds value.”

The move also aligns with the ongoing professionalisation of the private rental sector, where landlords are increasingly incorporating, leveraging specialist structures, and building scale to withstand economic and regulatory pressures.

BACKING DEVELOPERS

Neil Leitch (main picture, right), managing director – development finance at HTB, said: “The housing crisis demands delivery – and we’re seeing more developers ready to step up.

“What they need is a funding partner with both the appetite and the capability to keep pace. Increasing our maximum exposure sends a clear signal: HTB is committed to backing those who are building at scale, with confidence and consistency.”