Hampshire Trust Bank delivers £1.2m semi-commercial facility for overseas landlord

17 October 2025

Hampshire Trust Bank (HTB) has completed a £1.2 million semi-commercial facility for an overseas landlord, reflecting growing demand from international investors seeking a foothold in the UK property market.

The borrower, an Australian national and experienced landlord overseas, acquired a semi-commercial property in London comprising six residential flats above a restaurant. The facility was structured on a five-year fixed, interest-only basis at 70% LTV, purchasing the property from their parents, who gifted equity to support the transaction.

The case was broker-introduced and required a bespoke approach. With the client establishing their first UK property investment, reliance on gifted equity from family, and the added complexity of a semi-commercial building, the case sat outside the appetite of many lenders. HTB worked with the broker to shape a structure that addressed these factors and enabled the client to begin building a UK portfolio. The facility was delivered by Chloe House, Business Development Manager, and Kris Siva in HTB’s Specialist Mortgages team.

HTB expects demand for structured solutions to grow as more brokers introduce overseas clients and complex property types, reinforcing its role as a long-term partner to brokers and their clients.

Chloe House, Business Development Manager for the South Coast at HTB, said:

“This case demonstrates the importance of listening carefully to the broker and tailoring facilities to real client circumstances. The client was an experienced landlord overseas establishing their first UK property investment, and the property added another layer of complexity. By taking a pragmatic approach and structuring the facility around the gifted equity and long-term goals, we created a solution that gave both broker and client confidence. It highlights how HTB thrives on the kind of cases brokers bring us that do not fit a standard template.”

Andrea Glasgow, Sales Director, Specialist Mortgages & Bridging Finance at HTB, added:

“Brokers are meeting more and more clients whose ambitions do not fit a standard lending model, whether that is an overseas borrower, a semi-commercial property or someone taking their first steps in a new market. This case shows the difference we can make by working closely with brokers to bring clarity to complex situations. By shaping funding around each client’s circumstances, we help brokers deliver not only on the transaction in front of them but also on their clients’ longer-term goals. That is why brokers trust HTB with their most complex cases.”