Hampshire Trust Bank enhances buy-to-let pricing at lower LTVs

26 January 2026

Hampshire Trust Bank (HTB) has enhanced its buy-to-let pricing on loans over £1 million, introducing clearer differentiation at lower loan-to-value levels to better reflect more conservative leverage.

The update means that where larger buy-to-let cases are structured at lower LTVs, pricing now reduces accordingly. This strengthens the relationship between leverage, servicing and cost, and gives brokers greater confidence when structuring borrowing for professional landlords.

The change comes as affordability and servicing continue to play a more decisive role in buy-to-let decision-making. Many professional landlords hold established portfolios with low existing leverage, and borrowing is increasingly introduced selectively, with close attention paid to how cost impacts longer-term portfolio plans. By more clearly rewarding lower leverage, the revised pricing supports brokers reassessing how and when debt is introduced across larger portfolios.

Alex Upton, Managing Director, Specialist Mortgages and Bridging Finance at Hampshire Trust Bank, said:

“Professional landlords are thinking much more deliberately about how they use leverage. In that context, pricing needs to do more than simply enable borrowing. It needs to reflect how a case is structured and the level of risk being taken. This change ensures that lower leverage and stronger servicing are recognised clearly in pricing, and reflects how we believe specialist buy-to-let lending should be structured.”

Andrea Glasgow, Sales Director, Specialist Mortgages and Bridging Finance at Hampshire Trust Bank, added:

“For brokers, this is about having greater control over structure and cost, particularly when advising professional landlords who are being more deliberate about how leverage is used. It supports more balanced conversations with landlords who may be introducing borrowing for the first time, adjusting leverage across an existing portfolio, or revisiting cases where cost previously made debt unattractive. Clearer pricing at lower LTVs gives brokers another practical lever when shaping longer-term portfolio decisions with their clients.”

The updated pricing applies to buy-to-let loans over £1 million and is available now. The revised rate card can be downloaded from the Hampshire Trust Bank website.