Hampshire Trust Bank
PRA-authorised UK specialist bank covering asset finance, commercial mortgages, bridging and specialist development finance. Established 1977 (relaunched as HTB 2014). Broker-distributed and relationship-led. Strong on asset-backed and property-backed deals where mainstream banks decline on covenant rather than credit.
Quick verdict
- Product: Asset finance, commercial mortgages, bridging, development finance.
- Ticket band: Not published.
- Pricing: Bespoke, quoted at offer.
At a glance
Hampshire Trust Bank, at a glance
- Legal entity
- Hampshire Trust Bank plc
- Companies House
- 01311315
- Founded
- 1977
- Product
- Asset finance, commercial mortgages, bridging, development finance
- Ticket range
- Not published
- Decision time
- Not published (its bridging target is three weeks from application to completion)
- Ltd-only
- Yes
Where Hampshire Trust Bank is strong
- Genuine PRA-regulated UK bank; FSCS deposit protection on linked savings.
- Multiple specialist product lines under one underwriter.
- Real human credit team attached to each case.
- Strong record on bridging and development finance for SME developers.
Watch-outs, and when another lender may suit better
- Broker-distributed; not self-serve.
- Headline rates not published.
- Slower than fintech alternatives.
- Engagement below £25k unlikely.
Best fit applicants
- Asset-backed and property-backed deals
- SME developers and commercial landlords
- Broker-introduced cases £150k+
Where Hampshire Trust Bank is the wrong fit
- Self-serve sub-£25k
- Unsecured working capital
- Sole traders
If declined by Hampshire Trust Bank
If your application to Hampshire Trust Bank is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Hampshire Trust Bank
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Hampshire Trust Bank?
Hampshire Trust Bank offers asset finance, commercial mortgages, bridging, development finance. Ticket range: Not published. Typical rate: Bespoke, quoted at offer.
How long does Hampshire Trust Bank take to decide?
Not published (its bridging target is three weeks from application to completion)
Who is Hampshire Trust Bank the best fit for?
First on the list: Asset-backed and property-backed deals. The full list is under Best fit applicants above.
When might another lender suit better than Hampshire Trust Bank?
First on the list: Self-serve sub-£25k. The other cases are under Where Hampshire Trust Bank is the wrong fit above.
Send an enquiry
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Send an enquiry →Official site: Hampshire Trust Bank
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.