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.
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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
We're working on adding live mortgage rate information for Masthaven. In the meantime, visit their website for the latest rates.
View rates on MasthavenApplication 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?
What is the maximum LTV Masthaven offers on bridging loans?
Does Masthaven offer second-charge bridging loans?
How does Masthaven assess bridging loan applications?
How to Apply
Broker Only
Masthaven products are only available through mortgage brokers. Use our broker directory to find a broker with Masthaven on their lender panel.
Contact Information
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Find FCA-regulated mortgage brokers who have Masthaven on their lender panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.