HTB completes £22m Nottingham portfolio refinance in three weeks

22 September 2026

Hampshire Trust Bank (HTB) has completed £22m of lending across a mixed property portfolio in Nottingham, just three weeks after issuing offers.

The specialist bank provided two 10-year facilities totalling £22m to refinance existing borrowing and raise additional capital against a portfolio comprising purpose built student accommodation (PBSA), HMOs and semi-commercial property.

The transaction formed part of a wider refinancing involving another specialist lender and represented a new relationship for HTB.

With a substantial portfolio and several parties involved in the wider transaction, HTB carried out key work early in the process. Underwriting and valuation assessments were completed upfront, legal instructions were issued at an early stage and the HTB team visited the properties and met the team responsible for operating the portfolio.

This preparation helped keep all parties aligned to the same completion timetable.

The deal was introduced by Tom Bamber and Jack Poxon, Directors at Graphene Funding, and supported across HTB by Regional Account Director Wes Baker, Stephen Mettler and Melanie Franks, working alongside Arch Law.

Wes Baker, Regional Account Director at Hampshire Trust Bank, said:

“Large portfolio transactions can involve a lot of moving parts, particularly when you have different property types and several parties all working towards the same completion.

“For us, the important thing is getting into the detail early and making sure the right people are involved from the start. That allows us to make decisions quickly, keep things moving and give the broker a clear view of what is needed.

“Scale and complexity should not have to mean a slow process. This was £22m of lending completed three weeks after offer, and it shows what a specialist team can deliver when everyone is working towards the same outcome.”

Andrea Glasgow, Sales Director, Specialist Mortgages at Hampshire Trust Bank, said:

“There is a lot more complexity in the market now, particularly for professional landlords with larger portfolios. Refinancing is rarely just about replacing one facility with another. Borrowers are looking at how assets are structured, where they want to release capital and how their funding needs to support the next stage of the portfolio.

“For brokers, that makes certainty and access to the right expertise increasingly important. They need lenders that can understand the whole picture, not just look at individual properties in isolation.

“This was a substantial transaction, but it is exactly the kind of case where a specialist approach should make a difference. £22m completed three weeks after offer is a strong result and shows what can be achieved when the lender has the experience, appetite and structure to support more complex portfolio lending.”