Structured lending package launched to support brokers with complex portfolio cases
Hampshire Trust Bank (HTB) has launched a new lending option tailored to brokers working with professional landlords facing affordability challenges under standard criteria.
The new offering, named Portfolio Edge, is a structured financing package that combines a two-year fixed rate mortgage and a bridging loan. It is aimed at situations where an immediate full refinance is not possible but could be viable once certain assets within the portfolio are sold. Any repayments made toward the fixed rate mortgage using proceeds from those asset sales will not be subject to early repayment penalties.
The term mortgage carries a 4.99% fixed interest rate, includes a 5% arrangement fee, and requires a minimum borrowing amount of £3 million. The accompanying bridging loan – intended to support the disposal of specific properties – is priced at 0.7% monthly, with a 2% arrangement fee and a minimum of £1 million. The bridge component cannot exceed 50% of the total loan.
Both parts of the product must be executed concurrently and are cross-collateralised, offering a unified funding structure. The solution accommodates portfolios containing up to 20% commercial property, catering to mixed-use portfolios that may not align with mainstream lending models.
“Portfolio Edge is built for exactly what brokers are dealing with – affordability blocks, structural complexity and clients who need more than a standard refinance,” said Alex Upton (pictured left), managing director of specialist mortgages and bridging finance at Hampshire Trust Bank. “It gives them flexibility and clarity in one solution, and we’ve priced it to give them a real edge in the market. Most importantly, it gives landlords breathing room to sell properties, reduce leverage, and refinance smoothly later, without early repayment charges biting when it matters.”
Andrea Glasgow (pictured right), sales director of specialist mortgages and bridging finance at Hampshire Trust Bank, added that broker feedback played a key role in shaping the product.
“We’ve been listening closely to what brokers are telling us – and this is exactly the kind of solution they’ve been asking for,” she said. “It’s clear, it’s flexible, and it helps them get deals moving again where affordability has become a sticking point. The structure makes sense, and it gives brokers more options when traditional routes aren’t available. It’s already proving to be a valuable tool for brokers navigating complex landlord cases.”
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