Hampshire Trust Bank has announced that it has enhanced its buy-to-let pricing on loans over £1 million, introducing clearer differentiation at lower loan-to-value levels to better reflect conservative leverage.
Larger buy-to-let cases structured at lower LTVs now receive reduced pricing accordingly. This strengthens the relationship between leverage, servicing and cost, giving brokers greater confidence when structuring borrowing for professional landlords.
Affordability and servicing continue to play a more decisive role in buy-to-let decision-making. Many professional landlords hold established portfolios with low existing leverage, and borrowing is increasingly introduced selectively, with close attention paid to how cost impacts longer-term portfolio plans. By rewarding lower leverage more clearly, the revised pricing supports brokers in reassessing how and when debt is introduced across larger portfolios.
"Professional landlords are thinking much more deliberately about how they use leverage," said Alex Upton (pictured), managing director of specialist mortgages and bridging finance at Hampshire Trust Bank.
"In that context, pricing needs to do more than simply enable borrowing. It needs to reflect how a case is structured and the level of risk being taken. This change ensures that lower leverage and stronger servicing are recognised clearly in pricing, and reflects how we believe specialist buy-to-let lending should be structured."
Andrea Glasgow, sales director of specialist mortgages and bridging finance at Hampshire Trust Bank, added, "For brokers, this is about having greater control over structure and cost, particularly when advising professional landlords who are being more deliberate about how leverage is used,"
"It supports more balanced conversations with landlords who may be introducing borrowing for the first time, adjusting leverage across an existing portfolio, or revisiting cases where cost previously made debt unattractive. Clearer pricing at lower LTVs gives brokers another practical lever when shaping longer-term portfolio decisions with their clients." she said.
