In specialist lending, no two deals are ever the same. Whether it’s managing large portfolios, navigating the complexities of houses in multiple occupation (HMOs), supporting vulnerable tenants, or securing finance for foreign nationals, every case presents its own unique challenges.
This variety means that a broker’s day is rarely predictable. They need to stay agile, always ready to address their client’s specific needs. But how can they ensure they get the support they need, right when they need it, to move deals over the line?
Support when you need it
At HTB, accessibility isn’t just an added benefit – it’s woven into everything we do. Brokers shouldn’t have to jump through hoops or schedule special appointments to reach the right people. With HTB, you have the freedom to connect with our underwriters, lending managers, or senior team at any point – without the need for an appointment.
Our lending managers, in particular, stand out in the industry. Their role isn’t just about relaying information – they actively engage with every case, from start to finish. As a vital bridge between brokers, clients, and underwriters, they ensure every detail is accounted for, every challenge is addressed, and each deal is shaped to deliver the best possible outcome. This hands-on, collaborative approach sets HTB apart, allowing us to craft bespoke solutions that fit the needs of brokers and their clients.
Direct communication with underwriting
When it comes to underwriting, direct access is vital. It’s not something we offer occasionally or under specific conditions – it’s a core part of how we operate. We believe that the best solutions come from working closely together, being proactive, and making ourselves available whenever you need us.
Brokers also don’t need a special appointment to connect with our underwriters; our team is ready and accessible throughout the process. We’re committed to ensuring that when you need answers, we’re always here to provide clarity.
Cross-division accessibility
Our approach to accessibility goes beyond the specialist mortgages team. It extends across our bridging and development finance divisions.
Brokers working with HTB benefit from cross-division support, with experts like Hayden McMullen supporting them through the wider picture. Whether it’s internal refinancing or transitioning from bridging to development finance, our teams collaborate closely to provide comprehensive, joined-up solutions.
A real difference in lending
In an industry where some lenders only offer direct communication as a perk or in special circumstances, HTB takes a different approach. We believe being easy to reach and working in partnership should be a given, not an exception. That’s why we maintain clear and direct lines of communication, keeping brokers and their clients informed every step of the way.
Our focus on real-time support is driven by our strong relationships with brokers. We understand that quick, effective communication can be the difference between a deal progressing or stalling. When you have direct access to the right people at the right time, delays are minimised, and challenges are swiftly addressed.
This joined-up approach ensures smoother processes for brokers and clients alike. It keeps everyone informed, involved, and confident that the deal is on track, reducing the risk of last-minute surprises or obstacles.
At HTB, we pride ourselves on being readily available to our partners in complex cases. We understand that every deal is unique and requires a flexible, present, and collaborative approach. That’s why we’ve built our team and processes around supporting you, whenever you need us.
Alex Upton is managing director of specialist mortgages at Hampshire Trust Bank
