Hampshire Trust Bank (HTB): products, terms and eligibility

Hampshire Trust Bank (HTB) is a UK provider of property development finance. The legal entity named on its site is Hampshire Trust Bank Plc, company number 01311315. It is based in London. It gives its founding year as 1977.

Hampshire Trust Bank says it has been operating since 1977 and originated in Fareham, offering mortgage services locally. It says that in 2014 new management backed by Alchemy Partners reshaped it into its current form, focused on property-based finance and wholesale lending to customers underserved by mainstream banks. It is authorised by the PRA and regulated by the FCA and PRA, takes customer deposits covered by the FSCS, and is headquartered at 80 Fenchurch Street, London.

In its own words on scale:

• Says it manages over £4.5 billion in savings and lent over £3.5 billion to British businesses and individuals in 2024 (figures on its site in October 2026).
• Says it has over 420 staff and serves over 100,000 savers (figures on its site in October 2026).

Everything on this page comes from what Hampshire Trust Bank (HTB) publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Hampshire Trust Bank (HTB) publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

Development finance (residential and site assembly)

Residential development and site assembly facilities in England and Wales for experienced property developers, with lending up to 65% of gross development value and standard terms of 12 to 36 months. It considers residential, student accommodation and mixed-use schemes. Its page does not set out security, drawdown or documentation requirements.

Commercial development finance

Lending for pre-sold and pre-let commercial developments in England and Wales for experienced developers, up to 65% of gross development value, with standard terms of 12 to 36 months. It says all lending is overseen by specialist lenders with industry experience.

Development exit finance

Loans to experienced developers on recently completed stock, up to 70% of gross development value, with standard terms of 12 to 36 months, giving time to sell. It requires evidence of acceptable sales rates, and equity release is available on a case-by-case basis.

Hampshire Trust Bank (HTB) says its finance is used for:

• Residential development
• Site assembly
• Student accommodation and mixed-use schemes
• Pre-sold and pre-let commercial developments
• Refinancing completed stock while selling

Sectors and business types it says it funds:

• Experienced property developers
• Residential, student accommodation, mixed-use and commercial development

What it says it does not fund:

• Development finance is offered in England and Wales only

Hampshire Trust Bank (HTB) publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Experienced property developers.
• Residential, student accommodation and mixed-use schemes considered.
• Commercial finance for pre-sold and pre-let commercial developments.
• Development exit lends on recently completed stock, dependent on evidence of acceptable sales rates.
• Projects in England and Wales.

Hampshire Trust Bank (HTB) describes its process like this:

1. Contact HTB’s development finance team by phone or through the website contact form.
2. Speak to a Business Development Manager about the scheme.
3. For development exit, provide evidence of acceptable sales rates.

Information it says it asks for:

• Evidence of acceptable sales rates (development exit)

Every application is subject to status and the lender’s own criteria at the time.

Development finance funds the purchase of a site and the cost of building or converting it, with the build money released in stages as work is completed and inspected. The loan is usually repaid from sales or by refinancing the finished property.

Lenders assess the developer’s experience, the costs and the expected end value, and set the loan against both. Understanding how lenders differ before you compare offers helps when weighing terms.

Points Hampshire Trust Bank (HTB) publishes that are worth knowing:

• Development finance is offered in England and Wales.
• Equity release on development exit is available on a case-by-case basis.
• Lending is overseen by specialist lenders; team contactable on the published development finance number.

Hampshire Trust Bank (HTB)’s site states: “Hampshire Trust Bank Plc is a company registered in England and Wales, registration number 01311315 and with registered office at 80 Fenchurch Street, London, EC3M 4BY. It is authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority. FRN 204601.”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of property development finance with profiles here include Mint Property Finance, PMJ Capital and Signature Property Finance. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.