Hampshire Trust Bank

Hampshire Trust Bank (HTB) operates as a specialist bank dedicated to supporting the financial needs of individuals, businesses, and communities across the United Kingdom. Established in 1977, the company initially focused on offering mortgage services to the local community in Fareham, Portsmouth. A significant transformation occurred in 2014 when a new management team, backed by Alchemy Partners, revitalised HTB, leading to its current position as an award-winning financial institution. The firm's overarching mission is to invest in Britain's businesses and communities, providing focused financial solutions.

The company distinguishes itself through an approach it terms 'excellence through specialism,' concentrating on clients and brokers in specific financial sectors. HTB's core lending activities encompass property-based finance, specialist mortgages, bridging finance, development finance, and wholesale finance. This focused strategy allows the bank to support entities often overlooked by larger, mainstream banks. In addition to its lending services, Hampshire Trust Bank offers award-winning savings accounts directly to individuals, businesses, and charities, managing over £4.5 billion in savings and having lent over £3.5 billion to British businesses and individuals in 2024.

Within its property-based finance division, Hampshire Trust Bank is a specialist in residential and commercial development finance. The firm provides funding for ground-up schemes, conversions, and large-scale refurbishments, working directly with SME developers. The company offers structured development finance designed to align with the pace of property projects, featuring tailored funding structures, pragmatic underwriting, and direct access to decision-makers to ensure confidence from acquisition to completion. HTB offers creative and customised loans to experienced property professionals across England and Wales, with facilities ranging from £1 million to £15 million, which has been increased to a maximum lending limit of £35 million per customer across its specialist mortgages and development finance divisions. This expertise in funding diverse residential and commercial developments, including multi-unit projects and conversions, positions the bank to support various accommodation types, such as purpose-built student accommodation (PBSA).

Hampshire Trust Bank's operational philosophy is underpinned by a commitment to personalised expertise, thoughtful solutions, transparency, and trust. The company strives for perfection and consistency, continuously seeking ways to enhance its services. A key aim for the bank is to contribute to improving the quality of housing in the UK and to stimulate positive change within the UK savings and property markets. As part of this commitment, HTB has integrated an Environmental, Social, and Governance (ESG) agenda into its strategy and decision-making, having been certified carbon neutral since 2022. The firm's values include specialist customer focus, unwavering integrity, delivering excellence, and fostering a strong team culture.