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HTB provides £6m funding to support portfolio expansion | Hampshire Trust Bank (HTB) HTB provides £6m funding to support portfolio expansion | Hampshire Trust Bank (HTB)

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HTB provides £6m funding to support portfolio expansion

We've provided £6m in funding to help an experiences property investment firm expand their HMO portfolio.

  • £6m funding to expand a professional landlord’s HMO portfolio.
  • A tailored legal framework structured to meet complex shareholding.
  • We’re already discussing further transactions totalling £3m, reinforcing our role as a key funding partner.

The client, a professional landlord with a structured growth strategy, needed a lender that could support both their immediate investment needs and long-term scalability, aiming to scale up to £25m in financing.

After reaching borrowing limits with other lenders, they partnered with us for a funding solution tailored to fit their complex portfolio and governance needs. Bircroft Private Ltd, the broker on this deal, worked with us to create a flexible funding solution with plenty of growth potential.

A key challenge was the client’s shareholding structure. We needed a tailored legal framework to keep decision-making control with the principal shareholder while meeting our lending security requirements. To maintain decision-making control with the principal shareholder while meeting lending security requirements, we worked alongside Arch Law to implement a bespoke legal framework that balanced both priorities.

From the outset, the broker and client worked closely with our underwriting team to ensure a clear understanding of their business strategy and financial structure. This proactive approach allowed us to resolve key considerations early, streamlining the approval process. Senior Underwriter Stephen Mettler played a critical role in structuring the facility to align with the client’s investment objectives.

 

Joseph Lethbridge, Business Development Manager, commented:

This wasn’t just about financing a deal—it was about structuring a solution that aligned with the client’s long-term ambitions. Early engagement allowed us to work through complexities upfront and put a facility in place that supports their continued portfolio growth.

 

The two loans were structured with a 10-year term and a tailored rate to support the client’s investment goals. With funding now secured, further transactions totalling £3m are already in discussion, reinforcing our role as a key funding partner in large-scale portfolio expansion.

 

Tom Robinson, Director at Bircroft Private Ltd, said:

We worked closely with HTB to ensure the right funding structure was in place for our client. Their ability to take a strategic view and work through the complexities of the deal made a real difference. The process was efficient, and we look forward to working with them on further transactions.

 

Andrea Glasgow, Sales Director, Specialist Mortgages, added:

For professional landlords looking to scale, having the right funding structure in place is key. This deal highlights the importance of lenders working closely with brokers and borrowers to create finance solutions that support long-term portfolio growth.

 

With this latest facility in place, we continue to support professional landlords and property investors with tailored funding solutions that adapt to their business needs.

Read the original story here.


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