Our mission is to build a bank that challenges the conventions of traditional banking. We aim to take a broader view of customer lending criteria, giving you direct access to expert underwriters and flexible solutions, quickly and conveniently.

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:

Credit Flexibility

  • 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

Self Employed

  • From 18 months trading – accountants certificate accepted
  • Salary plus share of dividend used for Limited Companies
  • Retained profit projections considered

To make life a bit easier and help speed things up, we also offer AVM’s up to 65% LTV too.

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


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


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

Mini Bridge

Smaller value, classic bridging cases between £200,000 and £300,000 which are designed to flow seamlessly through our Broker Portal. That means you can get a DiP in minutes and get your cases moving quickly

  • First charge only – up to 70% LTV

We also offer AVM’s up to 60% LTV/£1m with no maximum property value on our bridging applications too.

To discuss Masthaven in more detail please call our Enquiries Team on 02380 456999

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