Compare Criteria
Hampshire Trust Bank
Mortgage Type
Specialist BTL/CommercialProperty Value (min)
£133,333 - minimum loan amount is £100,000 - so property has to be over this amount.
Advance (min)
£100,000
Advance (max)
£15,000,000
Term (Max)
30 yearsMinimum Age
21 yearsMaximum Age
No maximumFamily Cash Gift Deposit
AcceptedFamily Gift of Equity Deposit
AcceptedIncome (min)
No minimum incomeLet to Buy (Turning Residential into Buy to Let)
NoDWP Tenants
YesStudent Lets
YesEx-Local Authority Properties
Yes, flats and housesMinimum years remaining on leasehold property
50 years at the end of the mortgageMinimum Ownership
NonePermanent rights to reside and remain
Not requiredEx-Patriates
Yes, also, Foreign Nationals based in over 110 countries acceptableNew Builds
Yes, consideredCredit Score
Yes – however only accounts for a small part of the overall decisionRental Calculation
Limited company: BTL 125% HMO over 6 bedrooms – 140%
Personal name: BTL 140% HMO over 6 bedrooms – 155%
5 year fixed – stressed at pay rate
2 year fixed – stressed at pay rate + 2%
5:2 – stressed at payrate
Historic CCJ’s & Defaults
Assessed on a case by case basisValuation Fees
Paid direct to lender at the lender valuation fee scalesMaximum number of applicants
10 maximumCountries
England & WalesAccess
3mc can give you access to Hampshire Trust Bank as your packager or mortgage club.Regulated BTLs
Not consideredMissed mortgage payments
Assessed on a case by case basisProperty Type / Commercial
Residential and Semi CommercialLocation
England and WalesType of Credit Search conducted at AIP stage
Hard credit searchPortfolio Landlords
Portfolio Landlords Accepted
Background Portfolio Requirements (Example)
– No maximum LTV for the overall portfolio
Portfolio Landlord Criteria (Example)
– No limit on the size of existing portfolio with other lenders
Additional Document Requirements
– Portfolio Schedule – All cases
– Business Plan – All cases
– Asset & Liability Statement – All cases
– Cashflow Statement – All cases
* Lender will accept client versions for all documents
NB – Portfolio assessment will be valid for 12 months to reduce requirements on subsequent applications providing there are no material changes
