Hampshire Trust Bank

What Hampshire Trust Bank does

Hampshire Trust Bank Plc (HTB) is a UK-regulated specialist bank, headquartered at 80 Fenchurch Street, London, authorised by the FCA and PRA and operating under the 'excellence through specialism' positioning. Founded in 1977 in Fareham and revitalised in 2014 under a management buyout backed by Alchemy Partners, HTB serves three core customer groups: savers (individuals, businesses, charities, credit unions, and SIPP/SSAS pensions), property developers and investors (SME housebuilders, experienced landlords, and commercial developers), and mortgage brokers and intermediaries distributing its specialist lending products. The bank manages over £4.5bn in deposits from 100,000+ savers and lent £3.5bn to British businesses in 2024 alone.

HTB's product portfolio spans Personal Savings (Easy Access, Notice, Fixed Rate, Cash ISAs), Business Savings, Specialist Deposit Solutions for corporates and pensions, and three lending divisions: Development Finance (including residential development, commercial, and development exit lending up to 65-70% GDV), Specialist Buy-to-Let and Semi-Commercial Mortgages (up to £25m, 75% net LTV), and Bridging Finance (up to 75% gross LTV, 21-day completion target). The wholesale lending arm extends up to £35m funding lines to other specialist lenders. Supporting technology is the PUMA for Intermediaries online portal, which enables brokers to submit applications, upload documents, and track cases through to completion. The bank also operates HTB Leasing & Finance (formerly Wesleyan Bank, acquired October 2021), providing commercial loans, leasing, hire purchase, and block discounting solutions.

HTB generates revenue primarily through net interest income on its lending and deposit book, supplemented by transaction and arrangement fees on bridging, development, and leasing products. Distribution is principally broker-mediated for lending, supported by a regional BDM team spanning specialist mortgages (11+ BDMs), bridging finance (4 BDMs), and development finance across the UK; savings are acquired directly online through the bank's website and savings portal. Customer acquisition leans on industry awards (Feefo Platinum, Savings Provider of the Year, Best Specialist BTL Mortgage Provider) and event participation (UKREiiF) rather than mass-market consumer marketing.

Name

Hampshire Trust Bank

Legal name

Hampshire Trust Bank Plc

Website

https://htb.co.uk

Company type

Private

Founded year

1977

Operating status

Operating

Headcount range

101–250 employees

Short description

Hampshire Trust Bank is a UK FCA/PRA-authorised specialist bank offering personal and business savings, development finance, specialist buy-to-let mortgages, and bridging loans, distributed primarily through mortgage brokers and a regional BDM network across England and Wales.

Ownership category

akta.pro rank

Product category

Specialist Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Mortgage Bankers & Loan Correspondents (6162), State Commercial Banks (6022), Finance Services (6199)

akta.pro primary industry

Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

akta.pro secondary industries

Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE), Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Specialist banking services
• Development finance lending
• Specialist mortgages
• Bridging finance
• Deposit savings accounts

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Lending Income: Interest income from development finance, specialist mortgages, bridging finance, and commercial finance lending to UK businesses and property developers
2. Deposit Taking: Accepting deposits from individuals, businesses, and charities, paying interest to savers while using funds for lending activities
3. Asset Finance and Leasing: HTB Leasing & Finance (formerly Wesleyan Bank) provides commercial loans, leasing and hire purchase facilities

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Hampshire Trust Bank is a UK specialist bank that accepts personal, business and charity deposits and lends to SME property developers, experienced landlords and other specialist lenders. Its core products include Cash ISAs, fixed rate and easy access savings accounts, residential and commercial development finance, development exit finance, specialist buy-to-let and semi-commercial mortgages, bridging loans, block discounting and commercial leasing/hire purchase via HTB Leasing & Finance (formerly Wesleyan Bank). Lending is distributed primarily through a broker and intermediary network supported by regional Business Development Managers, while deposits are taken directly online.

Product overview

Hampshire Trust Bank (HTB) operates as a specialist bank offering a portfolio of financial products across three main divisions: Savings (personal, business, and specialist deposit solutions for corporates, credit unions, and pensions), Property Finance (development finance, commercial finance, development exit finance, and block discounting), and Specialist Mortgages & Bridging (buy-to-let, semi-commercial mortgages, and short-term bridging loans for intermediaries). The bank serves individuals, businesses, and intermediaries through its broker distribution channels, with lending capabilities up to £35 million per customer across Specialist Mortgages and Development Finance. The PUMA for Intermediaries portal supports the broker workflow. HTB also provides leasing and finance solutions through its HTB Leasing & Finance subsidiary (formerly Wesleyan Bank).

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Savings Savings accounts for individuals including Easy Access & Notice, Fixed Rate and Cash ISA accounts, with FSCS protection. Personal savers open and manage accounts online via HTB's savings portal.
• Business Savings Savings accounts for UK businesses and charities including Easy Access & Notice accounts (up to 4.01% AER), Fixed Rate accounts (up to 4.31% AER), and dedicated Charity Savings products.
• Specialist Deposit Solutions Deposit accounts for corporates, credit unions and pension schemes including SIPP and SSAS pension deposits.
• Development Finance Residential development finance and site assembly facilities for experienced SME property developers throughout England and Wales, lending up to 65% Gross Development Value with terms of 12-36 months.
• Commercial Finance Finance for pre-sold and pre-let commercial developments across England and Wales for experienced commercial property developers, up to 65% Gross Development Value.
• Development Exit Finance Short-term lending to experienced property developers on recently completed stock, with flexible loans up to 70% Gross Development Value and 12-36 month terms to allow time for sales.
• Specialist Buy to Let and Semi-Commercial Mortgages Tailored buy-to-let and semi-commercial mortgages for experienced landlords using manual underwriting, supporting complex portfolios, HMOs, holiday lets, layered ownership, foreign nationals and company structures, up to £25m and 75% NET LTV.
• Bridging Finance Short-term residential and commercial bridging loans for acquisitions, refurbishments and refinances with up to 75% gross LTV, dual legal representation, dedicated case manager and a 21-day completion target.
• HTB Leasing & Finance (Commercial Loans, Lease and HP) Commercial loans, lease and hire purchase facilities for businesses provided through HTB Leasing & Finance (formerly Wesleyan Bank), plus Wesleyan Bank Trust & Airdrie Savings Bank Trust personal accounts and loans.
• Block Discounting Bespoke block discounting that enables businesses to access cash tied up in their books by guaranteeing blocks of agreements at a discounted value.
• PUMA for Intermediaries Online broker portal allowing intermediaries to submit applications, upload documents and track specialist mortgage and bridging cases through to completion.

Quantifiable outcome

• Supporting over 100,000 savers including individuals, businesses and charities
• +3 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• British Business BankcoreStrategic or Co-development PartnerHTB works with the British Business Bank under the ENABLE Guarantee scheme to support SMEs access to finance. The partnership helps HTB customers find the right finance solutions and supports the under-supply of housing in the UK.
• The Property Finance Collective (TPFC)coreChannel Partner/ Reseller/ DistributorTPFC arranged three complex deals with HTB totaling nearly £20 million in just three days, including £6.075m refinance, £11.9m development loan, and £1.75m development exit bridging loan. The deals involved title and lease complications and legal delays that required close collaboration.
• Carbon Footprint LtdminorOthersSince 2022, HTB has partnered with Carbon Footprint Ltd to calculate and report operational carbon emissions, while better understanding their carbon footprint composition.

Scale indicators5 records

Recent moves8 records

Expansion highlights3 records

Direct peers

• Aldermore Bank: UK challenger bank focused on SME savings and specialist lending including property finance. Closely comparable to HTB in customer segments, product mix, and distribution model via brokers and direct digital.
• Cynergy Bank: UK specialist challenger bank offering business savings, commercial mortgages, and specialist lending. Comparable niche focus and customer overlap with HTB.
• Paragon Bank: UK specialist bank with buy-to-let mortgage and development finance lending, plus savings franchise. Highly comparable business mix to HTB's specialist mortgage and development finance divisions.
• Together Money: UK specialist lender in bridging, development exit, and complex buy-to-let. Directly competes with HTB in bridging and specialist mortgage markets.
• Shawbrook Bank: UK specialist bank focused on SME lending, bridging finance, and buy-to-let. Direct competitor to HTB across property lending and savings products, with similar broker-led distribution.

Broad incumbents

• OneSavings Bank (Kent Reliance): UK specialist savings and lending bank with significant buy-to-let and specialist mortgage exposure. Comparable to HTB in specialist lending franchise but at larger scale.
• Atom Bank: UK digital challenger bank offering residential and buy-to-let mortgages plus savings. Adjacent competitor to HTB in specialist mortgages via digital channel.
• Metro Bank: UK challenger bank offering broad retail and commercial banking including mortgages and savings. Overlaps with HTB in savings and mortgage products but with wider retail focus.
• Close Brothers Property Finance: UK property development finance arm of Close Brothers Group, directly competing with HTB in residential and commercial development lending. Overlapping customers and BDM coverage.

Emerging players

• Hope Capital: UK specialist bridging lender that received a £35m wholesale funding line from HTB in 2026. Comparable in bridging market focus but smaller scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/htbplc
• LinkedInlinkedin.com/company/hampshire-trust-bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments5 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hampshire Trust Bank