Hampshire Trust Bank has announced that it has enhanced its buy-to-let pricing on loans above £1 million, introducing clearer differentiation at lower loan-to-value levels to reflect more conservative leverage.
Under the revised structure, larger buy-to-let cases arranged at lower LTVs now benefit from reduced pricing. The bank said this approach strengthens the link between leverage, servicing and cost, while giving brokers greater certainty when structuring borrowing for professional landlords.
The move comes as affordability and servicing take on a more central role in buy-to-let decisions. Many professional landlords operate established portfolios with relatively low existing leverage and are introducing borrowing more selectively. Cost is now weighed carefully against long-term portfolio strategy rather than short-term opportunity.
By rewarding lower leverage more clearly, the updated pricing supports brokers reviewing when and how debt is introduced across larger portfolios. It also provides more flexibility for advisers working with landlords who are reshaping their borrowing profiles as market conditions evolve.
Key elements of the update include:
revised pricing for buy-to-let loans above £1 million
lower rates for cases structured at lower LTVs
stronger alignment between leverage, servicing and overall cost
greater flexibility for brokers advising professional landlords
“Professional landlords are thinking much more deliberately about how they use leverage,” said Alex Upton, managing director, specialist mortgages and bridging finance at Hampshire Trust Bank (pictured).
“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.”
“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,” said Andrea Glasgow, sales director, specialist mortgages and bridging finance at Hampshire Trust Bank.
“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.”
