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The HMO Mortgage Broker

Hampshire Trust Bank (HTB)

Hampshire Trust Bank (HTB) is a specialist bank focused on providing financing to UK businesses and individuals. Their property finance division offers specialist mortgages for HMOs, MUFBs and semi-commercial properties, as well as development finance.

  • No maximum number of rooms for HMOs
  • No maximum age for experienced landlords
  • Lends to individuals, companies, expats and trusts

HMO Services

See our guide to HMO mortgages for criteria, valuation and how specialist lenders underwrite multi-let stock. Or compare HMO mortgage lenders side by side.

Hampshire Trust Bank (HTB) HMO Rates

Borrower Criteria

Criteria last checked 10 March 2026.

Who they lend to

  • Yes:Individuals
  • Yes:Limited companies
  • No:LLPs
  • Yes:Offshore companies

Experience and credit

  • No:First-time landlordsMust be an experienced property investor. Not suitable for first-time buyers or first-time landlords.
  • No:No property experience needed
  • Yes:Adverse credit consideredMinor adverse credit considered. No bankruptcy/IVA in last 6 years. No mortgage arrears in last 36 months.
  • Yes:Borrowers aged 21 to 99

How to apply

  • Yes:Through a broker
  • No:Direct to the lender

Frequently Asked Questions

Common questions about Hampshire Trust Bank (HTB) and their HMO mortgage services.

What are Hampshire Trust Bank (HTB)'s HMO mortgage rates?

Hampshire Trust Bank (HTB) publishes HMO mortgage rates that vary by product, loan-to-value, borrower profile and property type. Ask us for a dated illustration rather than a generic headline rate.

What are Hampshire Trust Bank (HTB)'s borrower criteria?

Hampshire Trust Bank (HTB) requires experience from experienced landlords. Adverse credit is considered on a case-by-case basis. Minimum age: 21 years, maximum age: 99 years.

Does Hampshire Trust Bank (HTB) accept intermediary applications?

Hampshire Trust Bank (HTB) accepts intermediary applications. All applications must be made through intermediaries.

What HMO services does Hampshire Trust Bank (HTB) offer?

Hampshire Trust Bank (HTB) offers Hmo Mortgages, Hmo Remortgages, Hmo Development Finance, Portfolio, Limited Company, Bad Credit. Contact us to discuss your specific requirements and find the best solution for your property investment needs.