Hampshire Trust Bank (HTB) has completed a £6.4m refinance deal for a 43-property portfolio, enabling the borrower to meet a deadline and unlock liquidity for future acquisitions.

Earlier this year, the borrower acquired the north west property portfolio at 30% below market value through a bridging loan.

Faced with a pending bridge loan payment, they sought a refinance to meet the deadline and release additional funds for future investments.

In collaboration with The UK Adviser, the deal was completed by business development manager for the north of England at HTB, Wes Baker, and senior underwriter, Stephen Mettler, who ensured a full red book value was instructed immediately, moving the case from offer to funding in five days.

The team worked closely with legal representatives, Marie Bennett-Staples from Glovers and the client’s solicitors, Claudia Rubiano and Avi Barr from BBS Law, senior completions officer at HTB, Melanie Franks, ensuring the deal completion.

As a result, the client retained 43 properties, sold two, and raised a seven-figure sum for future property investments.

Sales director of specialist mortgages at HTB, Andrea Glasgow, said: "This case had all the hallmarks of a complex transaction - tight deadlines and multiple moving parts - but that’s where HTB excels.

"We worked closely with the broker to craft a tailored solution, meeting the client’s needs not just in terms of speed, but by unlocking the flexibility needed to expand their portfolio in a competitive market. Our ability to adapt and respond to individual client requirements is at the heart of what we do."

Baker added: "In cases where time is critical, communication is key. At HTB, we pride ourselves on keeping everyone connected - from the broker to our underwriting and legal teams - so that no detail is overlooked. For this deal, it was our collaborative approach that made all the difference, allowing us to complete the refinance swiftly and without compromise."

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