Hampshire Trust Bank (HTB) has launched Portfolio Edge, a structured lending solution for brokers working with professional landlords whose portfolios no longer fit traditional affordability models.
Developed in response to affordability pressures and regulatory shifts, Portfolio Edge combines a 2-year fixed-rate term mortgage with a bridging facility.
It was designed for cases where a full refinance isn’t possible today but becomes achievable once selected assets are sold.
Repayments made on the term loan using proceeds from those sales can be made without early repayment charges (ERCs).
The term loan is priced at 4.99% with a 5% arrangement fee and a minimum loan size of £3m.
The bridge – which is utilised for the properties the borrower is looking to sell – will be available at 0.7% per month with a 2% arrangement fee and a £1m minimum loan size.
Both products must be used together and complete at the same time. The two elements of Portfolio Edge are cross-collateralised, forming a single, structured funding solution.
The bridge is capped at 50% of the total loan, with sale proceeds used to reduce overall debt. Portfolios may include up to 20% commercial assets, giving brokers additional flexibility when dealing with mixed-use holdings.
Alex Upton (pictured left), managing director – specialist mortgages and bridging finance at HTB, said: “Portfolio Edge is built for exactly what brokers are dealing with – affordability blocks, structural complexity and clients who need more than a standard refinance.
“It gives them flexibility and clarity in one solution, and we’ve priced it to give them a real edge in the market.
“Most importantly, it gives landlords breathing room to sell properties, reduce leverage, and refinance smoothly later, without early repayment charges biting when it matters.”
Andrea Glasgow (pictured right), sales director – specialist mortgages and bridging finance at HTB, added: “We’ve been listening closely to what brokers are telling us – and this is exactly the kind of solution they’ve been asking for.
“It’s clear, it’s flexible, and it helps them get deals moving again where affordability has become a sticking point.
“The structure makes sense, and it gives brokers more options when traditional routes aren’t available. It’s already proving to be a valuable tool for brokers navigating complex landlord cases.”
