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Hampshire Trust Bank (HTB) has refined its specialist mortgages proposition, introducing a significant change that will benefit landlords investing in mixed-use properties. This update aims to address the increasing demand for residential-heavy mixed-use investments.
HTB will now allow standard buy-to-let (BTL) rates to be applied to qualifying semi-commercial loans exceeding £5 million. This is a notable development for investors, as it typically offers more favourable terms compared to traditional commercial mortgage rates for such properties. The criteria specify that these loans are for mixed-use assets where the majority of the income or floor space is derived from residential units.
For more on this topic, see our guide to commercial mortgages.
For more on this topic, see our guide to Commercial HMO Mortgages Explained: What You Need to Know.
For more on this topic, see our guide to Commercial HMO Mortgages Explained: What You Need to Know.
Key Benefits
This refinement by HTB demonstrates its responsiveness to market trends and its commitment to providing flexible and competitive financing solutions for landlords with diverse and complex portfolios, particularly in the growing segment of semi-commercial real estate.
For more on this topic, see our guide to Financing Commercial HMO Properties: Lender Requirements.