United Trust Bank

United Trust Bank was incorporated in England in 1955 and began as a specialist lender to SME house-builders. Its modern independent era followed a management buy-out in 2004; the bank is headquartered in London and also has an office in Manchester.

UTB provides secured funding and deposit products. Its lending activities cover property development, bridging, structured property finance, asset finance, first- and second-charge mortgages, and buy-to-let mortgages, serving individuals, businesses, developers and broker partners.

The bank is particularly focused on specialist and underserved areas of the UK finance market, where bespoke underwriting and relationship-based lending are important. In 2025, it reported a £3.895bn loan book, £1.975bn of gross new lending and 435 staff.