Masthaven
- Application Form - Bridging - Company (12/11/21)
- Application Form - Bridging - Individual (12/11/21)
- Application Form - Buy to Let (12/11/21)
- Application Form - Residential First Charge (12/11/21)
- Product Guide - Buy to Let (12/11/21)
- Product Guide - Bridging (12/11/21)
- Product Guide - First Charge - Residential (08/12/21)
| Product | Gross Fee paid by lender | Net fee paid to regulated broker | Net Fee paid to non-regulated & client referral service |
|---|---|---|---|
| Buy to Let | 0.85% (£5k max) | 0.50% (£2,941 max) | 0.25% (£1,470 max) |
| Bridging Finance | 2.00% | 1.00% | 0.50% |
| Residential | 0.85% (£5k max) | 0.50% (£2,941 max) | 0.25% (£1,470 max) |
| Secured Loan | 2.00% | 1.35% | 0.68% |
Our mortgage range includes first charge, second charge, residential and buy to let; unlike others we don’t box-tick or credit-score. Society is changing, and our products reflect that:
- CCJs/defaults under £300 or over 36 months allowed
- Recent CCJs/defaults and missed mortgage payments also considered
- Unsecured missed payments ignored
- HMO`s up to 6 bedrooms
- First time landlords accepted- one applicant has to be a homeowner
- Ltd company’s/trading companies and day one SPV
- From 3 months in the role
- Day rate x 5 x 46
- 3 months remaining on contract or evidence of renewal
- From 18 months trading – accountants certificate accepted
- Salary plus share of dividend used for Limited Companies
- Retained profit projections considered
Our bridging range is just as flexible, whether your customers is downsizing, solving chain breaks, or wants to refurbish a property:
Our core bridging product. Perfect for all sorts of situations where time is of the essence: chain-breaking, downsizing and upsizing, where customers are required to pay quickly.
- First charge up to 70% LTV
- Second charge up to 60% LTV
- Loans from £200,000
Borrowers with financial blips and cases with unusual properties considered. We also offer cross-charge on extra securities, re-bridging and consider properties above commercial units or those with shorter leases.
- First charge up to 65% LTV
- Second charge up to 60% LTV
- Loans from £200,000
Refurbishment covering everything from new kitchens, bathrooms, central heating and roof coverings, and Heavy Refurbishment covering works that require building regulations or planning permission including multi-unit conversions.
- First charge up to 65% LTV
- Second charge up to 60% LTV
- Loans from £200,000
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