"With 12 assets across several lenders and a defined completion date, we kept direct communication open so valuation outputs, statements and searches arrived in the right order"
- Aimee Amphlett - HTB
Hampshire Trust Bank (HTB) has completed a £1.65 million refinance and capital raise for an experienced landlord, consolidating 12 residential properties on the Isle of Sheppey into a single facility.
Introduced by Elliot Boreham at V4B, the loan provided a 75% LTV, 20-year interest-only structure to support both refinancing and the onward purchase of a property in Tenerife.
The borrower held ten houses and two flats in personal name, with borrowing spread across multiple lenders. Long-form valuations were required, and redemption statements had to be obtained from several counterparties, creating dependency on external timescales. The fixed completion window, driven by the overseas purchase, meant all documentation and valuation outputs had to be coordinated in sequence to stay on track.
HTB structured the facility to consolidate existing finance and provide the £1 million capital raise required for the Tenerife acquisition. Pure Law was instructed on a non-representation basis, allowing valuation and legal workstreams to progress simultaneously and reducing potential bottlenecks across all 12 properties. The bank issued the offer on 4 August and completed on 12 August. The case was led by Aimee Amphlett with underwriting from Jack Steed and completion managed by Vicki Duncan.
Aimee Amphlett, regional account manager at HTB (pictured), said, “This case needed tight alignment from the outset. With 12 assets across several lenders and a defined completion date, we kept direct communication open so valuation outputs, statements and searches arrived in the right order. Using non-representation meant the legal work could progress alongside underwriting, which removed a major dependency and gave the borrower confidence to move ahead with their onward purchase.”
Elliot Boreham, broker at V4B, said, “This was a tight deadline, and cases of this size would usually take six weeks or more. Having clear communication and the right people involved meant we completed within five days of receiving the valuation report. Being able to speak directly with the people progressing the case made a meaningful difference for the client and allowed them to move ahead with their purchase.”
Andrea Glasgow, sales director, specialist mortgages and bridging finance at HTB, said, “A case involving 12 assets across multiple lenders needs clarity and accessible decision-makers. The team stayed close to the broker throughout and kept the structure straightforward so the borrower could progress with their onward purchase. This is the type of collaboration brokers rely on when a defined deadline is in play.”
