Lender Profile
Masthaven Finance Bridging Loans
Specialist FCA-regulated bridging including home renovation finance.
Starting rate
0.84% /mo
Max term
Up to 12 months
Max LTV
75%
Loan range
£50,000 (£100k Home Renovation; £750k Large Loans)–£2,000,000 standard / £3,000,000 Large Loans
About Masthaven Finance
Masthaven Finance is an FCA-authorised specialist lender focused on regulated bridging cases — owner-occupier and second-charge bridging where the consumer protections of FCA regulation matter.
Their headline product is regulated bridging from 0.84% per month at low LTVs, with a separate Specialist product for re-bridges, discounted purchases, debt consolidation, and other non-standard cases. They also offer a Home Renovation product covering structural work and extensions up to 33% of current square footage.
Masthaven accept all credit profiles on most products (Large Loans require clean credit), and offer AVMs on residential cases at 65% LTV up to £200k property value or 55% LTV up to £300k.
Product range: Residential 1st & 2nd charge, Specialist (re-bridges, debt consolidation, short leases), Home Renovation (structural work allowed), and Large Loans up to £3m.
Best for
- Regulated 2nd-charge bridging on a main residence
- Home renovation projects involving structural work or extensions
- Consumers with adverse credit on the Specialist product
- Re-bridges from another lender
Key facts
- Min Loan
- £50,000 (£100k Home Renovation; £750k Large Loans)
- Max Loan
- £2,000,000 standard / £3,000,000 Large Loans
- Max Term
- 12 months
- Max Ltv
- 75% (Residential 1st charge purchase) / 65% (2nd charge)
- Fee
- 2% facility fee, minimum £2,000
- Regulated
- Regulated bridging specialist (residential + 2nd charge on main residence)
- Interest Structures
- Rolled up
- Completion
- Typically 2-6 weeks; AVMs available on residential within thresholds
Pros
- +Strong regulated 1st and 2nd charge offering
- +Home Renovation product allows structural work + 33% extensions
- +All credit profiles considered (most products)
- +AVMs available on standard residential cases
Cons
- −12-month maximum term — short for slow exits
- −£100k minimum on the Home Renovation product
- −No serviced interest — rolled up only
Masthaven Finance FAQs
Does Masthaven do unregulated bridging?
Their bridging product range is primarily regulated. For unregulated investment cases we'd usually point you to a different lender on our panel.
What works are allowed on the Home Renovation product?
Structural work including loft extensions and single-storey extensions, where the square footage is being increased by up to 33%. A detailed schedule of works and builder contracts are required at application.
Can Masthaven help with a re-bridge?
Yes — re-bridges are eligible under their Specialist product, alongside debt consolidation, short leases, non-standard construction, and other cases that don't fit the residential or specialist mainstream.
Apply for a Masthaven bridge
We'll match your case against Masthaven's criteria first — and the rest of our panel — to find the cheapest fit.