Hampshire Trust Bank has launched Portfolio Edge, a new structured lending product aimed at helping brokers support professional landlords struggling with affordability constraints and regulatory pressures.

The bank says the product has been designed specifically for complex portfolio cases where a conventional refinance is not currently feasible.

Portfolio Edge combines a two-year fixed-rate term mortgage with a bridging facility, allowing landlords to refinance part of their portfolio while giving them time to sell selected properties. Crucially, repayments on the term mortgage made from those property sales can be made without incurring early repayment charges.

The term loan is priced at 4.99% and carries a 5% arrangement fee, with a minimum loan size of £3 million. The bridging element, which applies to the assets earmarked for sale, is priced at 0.7% per month with a 2% arrangement fee and a £1 million minimum loan size. The two components are cross-collateralised and must be used together, completing simultaneously. The bridge facility is capped at 50% of the total loan value, with the sale of assets used to reduce overall leverage.

Portfolios can include up to 20% commercial property, allowing brokers to use the product on mixed-use holdings that fall outside the scope of traditional mortgage affordability models.

Alex Upton, managing director of specialist mortgages and bridging finance at HTB, said the product was developed to address the affordability challenges that brokers face.

“Portfolio Edge is built for exactly what brokers are dealing with – affordability blocks, structural complexity and clients who need more than a standard refinance,” she said.

“It gives them flexibility and clarity in one solution, and we’ve priced it to give them a real edge in the market.”

Andrea Glasgow, sales director of specialist mortgages and bridging finance at HTB, said the lender had developed the product in direct response to broker feedback.

“It’s clear, it’s flexible, and it helps them get deals moving again where affordability has become a sticking point,” she said. “It’s already proving to be a valuable tool for brokers navigating complex landlord cases.”

HTB said the launch reflects its broader strategy of offering structured lending solutions tailored to the realities of the current market.