"We’re seeing growing interest in mixed-use properties where the commercial element is stable and enhances the return"
- Andrea Glasgow - Hampshire Trust Bank
Hampshire Trust Bank (HTB) has enhanced its specialist mortgage proposition by offering standard buy-to-let rates on eligible semi-commercial cases.
This change applies to loans exceeding £5 million where the commercial element constitutes no more than 20% of the property’s total value. The move supports brokers structuring mixed-use transactions with limited commercial components in response to rising demand for residential-led investment opportunities.
The update reflects HTB’s ongoing commitment to structured lending and deal-by-deal underwriting. Properties with minor commercial aspects—such as ground floor retail or takeaway units below residential flats—are increasingly attractive to investors seeking strong yields and long-term value. Where commercial income is not required to meet the Interest Cover Ratio, these cases now qualify for standard BTL pricing without added complexity.
“We’re seeing growing interest in mixed-use properties where the commercial element is stable and enhances the return — think convenience stores or takeaways below residential units," comments Andrea Glasgow (pictured), sales director – specialist mortgages & bridging finance.
"These are well-structured, income-producing assets, and our pricing now reflects their low-risk profile. With direct access to underwriters and a hands-on support team, brokers can navigate these deals with confidence.”
Alex Upton, managing director – specialist mortgages & bridging finance, added, “This strategic change aligns our pricing with evolving investor strategies. Low-commercial-content assets are becoming a staple of long-term portfolios, and this adjustment underscores our focus on flexible, relationship-led lending that grows with our brokers and their clients.”
