Masthaven
Specialist LenderMasthaven is a specialist finance provider offering bridging loans, buy-to-let mortgages, second-charge lending, and adverse credit solutions. They take a common-sense approach to underwriting, considering cases that mainstream lenders decline, and focus on serving customers with complex financial circumstances.
About Masthaven
Masthaven was established in 2016 as a specialist finance provider serving customers with complex financial circumstances. The lender takes a common-sense approach to underwriting, considering cases that mainstream lenders would decline. Masthaven offers bridging loans, buy-to-let mortgages, second-charge lending, and adverse credit solutions.
Masthaven is one of the few bridging lenders that accepts adverse credit borrowers. The lender uses manual underwriting to assess each case individually, focusing on the overall viability of the deal. Masthaven offers higher LTVs of up to 80% compared to many bridging peers.
Masthaven is broker-only and works with intermediaries across the UK. The lender has built a reputation for pragmatic underwriting and competitive terms for complex cases. Masthaven is regulated by the FCA.
Lending Focus
Masthaven offers mortgage products across 4 categories including Buy-to-Let, Bridging, Adverse Credit and 1 more.
Key Features
- Specialist adverse credit bridging and mortgage solutions
- Second-charge loans for homeowners needing additional funds
- Manual underwriting with common-sense assessment
- Buy-to-let lending for experienced landlords
- Flexible terms accommodating complex income sources
Pros & Cons
Pros
- Accepts adverse credit borrowers where most bridging lenders will not
- Common-sense manual underwriting on every case
- Offers second-charge lending alongside bridging
- Higher LTV of up to 80% compared to many bridging peers
Cons
- –Broker-only — no direct applications accepted
- –Rates can be higher due to adverse credit specialism
- –No development finance offering
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — instructed at application
- Early Repayment Charge
- Typically no ERC — minimum interest period may apply
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Masthaven
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 4 weeks from date of offer
Lending Criteria
- Maximum LTV
- 80%
Frequently Asked Questions
Can I get a bridging loan from Masthaven with bad credit?
Yes, Masthaven specialises in lending to borrowers with adverse credit history, using manual underwriting to assess each case individually.
What is the maximum LTV Masthaven offers on bridging loans?
Masthaven offers bridging loans up to 80% LTV, which is higher than many specialist bridging lenders.
Does Masthaven offer second-charge bridging loans?
Yes, Masthaven provides second-charge lending for homeowners who need additional funds without remortgaging their first charge.
How does Masthaven assess bridging loan applications?
Masthaven uses manual, common-sense underwriting rather than automated scoring, focusing on the overall viability of the deal and exit strategy.
How to Apply
Broker only. Masthaven products are available through mortgage brokers. Find a broker with Masthaven on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Alternative Bridging Corporation | Commercial, Bridging, Adverse Credit+2 | Specialist | 70% |
| Together Money | Residential, Buy-to-Let, Commercial+3 | Specialist | 80% |
| United Trust Bank | Buy-to-Let, Bridging, Development+2 | Specialist | 75% |
| Castle Trust | Buy-to-Let, Bridging, Development+2 | Specialist | 80% |
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