Hampshire Trust Bank (HTB) has launched a new residential BTL proposition called Flow, with rates from 5.54%.
Flow sits within a defined three-part structure across HTB’s Specialist Mortgages proposition: Flow, Core and Bespoke.
Flow is introduced with rates from 5.54% on a two-year fixed product at 75% LTV. Rates sit 90bps 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 BTL lending, while maintaining its fully manual, judgement-led underwriting approach.
Flow supports defined residential BTL cases, including HMOs and MUFBs, up to £2.5m. It is designed for cases where structure and ownership are straightforward, allowing pricing to reflect that profile with greater precision.
Alex Upton, managing director of specialised mortgages and bridging finance at HTB (pictured above), said the pricing differential with Flow 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,” said Alex.
“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.”
