New offering expands specialist support for brokers amid rising demand and regulatory shifts
Hampshire Trust Bank (HTB) has expanded its specialist lending offering by introducing products for restricted holiday lets to provide professional investors with tailored financial solutions.
The move, HTB said, was made in response to shifting regulations and growing demand for niche property investments. Restricted holiday lets, which face unique regulatory and market challenges, require a specialised lending approach.
HTB’s updated offering includes a maximum loan-to-value (LTV) of 65% (gross 67%) for such properties and an increased income coverage ratio (ICR) for holiday lets owned in personal names, rising from 125% to 140%.
“Restricted holiday lets represent both complexity and opportunity in today’s market,” said Alex Upton (pictured right), managing director of specialist mortgages and bridging at Hampshire Trust Bank. “As planning rules tighten and tax reforms take effect, investors need the right financial support to adapt and thrive.
“At HTB, we specialise in transforming challenges into opportunities. This expansion reflects our commitment to equipping brokers with the expertise and tailored solutions they need to help their clients succeed in this growing niche.”
Andrea Glasgow (pictured left), sales director of specialist mortgages at Hampshire Trust Bank, also highlighted the increasing interest in restricted holiday lets.
“We know brokers are seeing increased demand for restricted holiday lets as investors look to diversify and respond to market changes,” Glasgow said. “What they need from us is clear – products that reflect the intricacies of this market, paired with expert support and quick decisions. This expansion ensures brokers can confidently guide their clients, knowing HTB provides the tools and partnership they can rely on.”
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