Growth expansion HTB is actively expanding its London and South East origination team, signaling increased demand for development finance and bridging products. Sales opportunities exist in providing scalable lending facilities, structured finance and relationship management services to support their growth ambitions.

Specialist focus As a specialist bank serving SMEs with dedicated development finance, specialist mortgages, bridging and wholesale finance, HTB presents opportunities for tailored funding solutions, portfolio lending enhancements and bespoke credit products to support diverse SME strategies.

New product rollout Recent launches include Flow for residential buy-to-let and a three-tier BTL range (Flow, Core, Bespoke) along with a dedicated relationship manager model in specialist mortgages. This creates upsell potential for related credit facilities, advisory services and cross-sell of savings products.

Funding partnerships HTB has pursued wholesale funding collaboration with Hope Capital and is expanding its funding capabilities. Potential sales angles include warehouse lines, securitization-ready facilities, and liquidity solutions to support growing origination volumes.

Digital and security posture HTB leverages a modern tech stack and security posture with partners like Cloudflare, Microsoft advertising and SharePoint, presenting opportunities to offer optimized digital marketing services, data analytics, or fintech integrations to enhance origination efficiency and risk management.