HTB - TFC Homeloans

Hampshire Trust Bank

We provide solutions for complex specialist BTL, residential and commercial bridging requirements.

For your clients looking to expand, restructure or diversify their portfolios, our specialist team work with you to help find the perfect solution. As part of this, we are constantly innovating and expanding our proposition to reflect market volatility and borrowers evolving needs

Buy-to-Let Features:

£25M max. loan
2 year fixed only
Lend to property’s housing vulnerable tenants (no asylum)
HMO – No cap on rooms
MUFB’s
Portfolio landlords no limit on size/amount of property

Lending to:

Limited companies
Expats
Trusts and offshore
Foreign nationals

Lending on:

Large and small portfolios
Holiday lets
HMOs
Serviced accommodation
Sitting tenants
New build flats
Purpose built student accommodation

Residential and Commercial Bridging Features:

Up to 75% gross LTV
Dual legal representation
We aim for 21 days from application to completion
No ERC’s

Specialist in:

Refurb-to-let
Refurb-to-term
Traditional bridge
Auction purchase

Criteria Overview – why consider HTB

HMO’s:

No cap on rooms
Can be above commercial (even on same title so mixed use)
Commercial valuations used above 6 rooms
No HMO landlord experience required
First time landlord HMO

MUFB’s:

No cap on units often – above 20/30 in one block
Can lend when broken freehold in play (on referral)
Developer exits
Investor led

Portfolio lending:

No cap on the amount of properties
Lend up to £25,000,000
Can deal with complex ownership structures
Mixed portfolios ( could consist of HMO’s standard lets holiday lets etc)
One application

Short term rentals:

Can use the passing rent and not rely on AST
Holiday lets, Airbnb
Serviced accommodation
MUFB’s / blocks of holiday lets
First Time Landlord Holiday let
Expat holiday let

Vulnerable Tenants:

Social Housing
CQC registered providers
Local council contracts
Part time or live in care
Charities

Semi Commercial:

Lending above bars, Bistros, cafes, takeaways, restaurants
Can look to support the loan based of AST rental income
Larger mixed-use property accepted, several flats above with several commercial units below
First time buyers
Can bring into a residential portfolio without splitting out

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