Hampshire Trust Bank completes £1.1m Midlands facility within four hours of offer

21 November 2025

Hampshire Trust Bank (HTB) has completed a £1.1m residential investment facility for an experienced borrower in the Midlands, introduced by ACDS Consultants. The deal refinanced an office-to-apartment conversion originally completed under permitted development rights and moved from offer to completion within just four hours.

The refinance was highly time sensitive, with the client facing a hard deadline to repay an existing bridging facility and avoid incurring further fees. Working with broker Steve Long, Commercial Director at ACDS Consultants, and solicitors Arch Law, HTB aligned underwriting and legal work in advance to ensure the facility could complete immediately once the offer was issued. Early instruction of solicitors and indemnified searches meant all documentation was ready to execute as soon as the offer was approved.

Annie Crust, Regional Account Manager at HTB, led the transaction alongside underwriter Jack Steed, with completions support from Melanie Franks and legal partners Arch Law. The case demonstrates HTB’s ability to combine pragmatic underwriting with clear, decisive execution.

Annie Crust, Regional Account Manager at HTB, said:

“From the moment the case came in, we knew timing would be key. By preparing the legals early, staying in constant contact with the broker and underwriting team, and having everything lined up in advance, we were able to issue the offer and complete within four hours. It made a huge difference for the broker and client, saving them additional costs and freeing capital for their next purchase. It was a real demonstration of teamwork, planning and trust across everyone involved.”

Steve Long, Commercial Director at ACDS Consultants, commented:

“To complete on the same day the offer was issued was just incredible. The preparation leading up to that point was professional beyond normal levels. HTB showed a real common purpose and desire to get this done. Huge thanks to Annie, Jack, Melanie and the team at Arch, it was a pleasure to see this deal over the line.”

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

“This was an outstanding team effort from start to finish. Everyone was focused on one outcome, helping the broker and client meet a critical deadline, and the coordination between Annie, Jack, Melanie and Arch Law made that possible. This case reflects how our approach to accessibility and preparation allows brokers to move quickly when deadlines are tight, without compromising on quality or control. The facility enabled the borrower to meet their repayment deadline, avoid further fees and release capital for onward purchases, supporting continued portfolio growth.”