HTB introduces Flow with rates from 5.54% for defined residential buy-to-let cases

07 April 2026

Hampshire Trust Bank (HTB) has introduced Flow, a new residential buy-to-let proposition offering rates from 5.54% for cases within clearly defined criteria.

Flow sits within a defined three-part structure across HTB’s Specialist Mortgages proposition: Flow, Core and Bespoke. The structure provides a clearer way to align pricing and engagement to the scale and complexity of each case.

Flow is new. Core and Bespoke reflect how HTB already supports everyday specialist transactions and larger-scale requirements, now aligned within a clearer commercial framework.

Flow is introduced with rates from 5.54% on a two-year fixed product at 75% loan to value. Rates sit 55 basis points below equivalent Core products, while arrangement fees remain unchanged.

The refined structure formalises how HTB aligns commercially to the increasing variation in deal size, ownership profile and portfolio strategy across specialist buy-to-let lending, while maintaining its fully manual, judgement-led underwriting approach.

Flow supports defined residential buy-to-let cases, including HMOs and multi-unit blocks, up to £2.5 million. It is designed for cases where structure and ownership are straightforward, allowing pricing to reflect that profile with greater precision.

Core continues to support the wider specialist mortgage range, including semi-commercial, PBSA and more complex ownership structures, up to £5 million. Pricing within Core remains unchanged and remains central to HTB’s proposition.

Bespoke applies to transactions above £5 million and formalises HTB’s approach to larger-scale cases, including dedicated relationship manager support and commercial terms agreed on a case-by-case basis.

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

“The specialist buy-to-let market has become significantly more nuanced. Transaction sizes, portfolio strategies and ownership structures vary far more materially than they once did. The level of professionalisation within the rental sector has accelerated, and lenders need frameworks that reflect that progression.

“Flow introduces clearly defined residential buy-to-let parameters with pricing that sits 90 basis points below our Core equivalents. That differential is intentional. It recognises where risk is clearly understood and allows us to compete with greater precision, without compromising the underwriting discipline that underpins every decision we make.

“Core and Bespoke continue to support complexity and scale. That remains central to our proposition. We are not narrowing our appetite. Every case remains manually assessed. What we have done is bring sharper alignment between pricing, engagement and deal profile. That is a considered evolution of our model, not a shift in philosophy.”

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

“Brokers are placing a wide mix of cases with us. Some sit comfortably within defined residential buy-to-let parameters. Others involve layered ownership, semi-commercial elements or larger portfolio scale.

“Through ongoing conversations, brokers have told us they value clarity as much as competitiveness. They want to understand how pricing aligns to the shape of the deal and how engagement evolves as scale increases, without losing access to experienced decision-makers.

“Flow, Core and Bespoke respond directly to that feedback. The structure makes our alignment clearer and more transparent. It does not change how we lend. It gives brokers greater confidence in how we support them across different types of transaction.”

The new structure applies to Specialist Mortgages and will be reflected in updated product guides and broker communications from 7 April.