Masthaven Secured Loans

Apply for a secured loan here with Masthaven via our approved credit brokers who have a direct relationship with this lender. They will also compare Masthaven against their panel of 18 other lenders to check it offers the lowest rates and that it matches your needs. All quotes are free and without obligation.

This calculator will give you an idea of costs. The exact amount and APR payable will be provided from the lender subject to credit and affordability checks.

Your monthly payment will be:


Interest on this loan will be:


Annual Percentage Rate (APR):


Total repaid will be:



Learn More Available via broker only

Masthaven Bank

Loan Amount
£10,000 - £500,000

Representative APRC

Loan Term
5 - 35 years

Loan Type
& Buy to let

Homeowners Only
Max LTV 75%

Rated 5.0/ 5

All credit types

We were the first new bank to be awarded a banking licence in 2016. However, we’ve been providing a flexible and personalised approach to secured lending since 2004. Get a quote today for a personal illustration from our award winning broker.

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Masthaven Bank Limited is a company registered in England & Wales with registration number 09660012 with headquarters and UK contact centre in Soho, London.

The current chairman is Peter Harrison, who has previously worked as Managing Partner and Head of Financial Services UK at KPMG, Chairman at Saffron Building Society and Chair of the Audit Committee at CIT Bank.


The first new retail bank to be awarded a banking licence in 2016. Masthaven has been providing bridged loans and secured lending since 2004. They entered the residential mortgage market in June 2017 with a new range of products developed to meet the needs of borrowers who have more complex requirements. It does not require credit scores and will provide manual underwriting where required.

Masthaven Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Its customers’ deposits are protected up to £85,000 by the Financial Services Compensation Scheme ‘FSCS’.

With its modern innovative platform for customers, Masthaven blends a personal touch with the latest digital technology. Their apps and web portals offer a refreshing approach based on flexibility and a user-friendly customer experience.


Masthaven Bank provides flexible and fixed term savings accounts, bridging loans, development finance and mortgages. They have a range of online fixed-interest savings products, allowing customers to tailor maturity dates and interest rates depending on their needs. The bank continues to offer bridging loans for homebuyers and development loans for SME house builders.

A mortgage product for UK borrowers who might struggle to get loans from the big, established lenders, was introduced next year.

Residential Products include:

  • Loans from £40,000 to £1 million
  • Loan term from five to 35 years
  • Up to 80% LTV
  • Lender fee of £995 applies to all mortgages
  • Interest-only / part & part up to 60% LTV
  • No credit score check
  • Pensioners aged up to 85 years old at the end of the term of the loan
  • Contractors and employed with short history –three months in job or one month remaining on contract
  • Holistic approach to self-employed – with specialist underwriters trained by accountants able to fully assess affordability.
  • Customers with impaired credit
  • Minimum income £12,500
  • Lending in England, Scotland and Wales
  • Three product categories with a broad range of criteria


Masthaven have been lending since 2004 but in 2016 they were awarded a banking licence and started to accept savings deposits. Based in Soho, London, they are a challenger bank which provides competitive saving and lending rates. The bank prides itself on its ‘human-digital underwriting processes’. They utilise the latest technology to optimise the application process but ultimately trust their underwriters, rather than algorithms, to making the final lending decision.

Masthaven Bank covers both personal and commercial lending offering second charge mortgages, bridging and they recently launched a new range of first charge mortgages. Their first and second charge mortgages are available only through intermediaries but their full lending criteria can be found on their website.