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Masthaven

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Masthaven

It’s Masthaven’s mission to build a bank that challenges the conventions of traditional banking. They aim to take a broader view of lending criteria, give you direct access to expert underwriters, and promise to deliver great service.

Masthaven received their banking licence but they are not new. Far from it. They have been providing class-leading, short term bridging options, and secured lending since 2004. Today they can offer you access to a full range of short term and long term products including First Charge Residential and Buy to Let mortgages.

They use technology to enhance processes but everything they do is underpinned by a flexible, human approach because they know people make much better decisions than a computer can.

Useful Links

Masthaven Website

Why Masthaven?

Just like houses their mortgages come in a range of styles and sizes to suit individual circumstances.

Highlights

Self Employed

  • From 18 months trading – accountant’s certificate accepted  
  • Projections considered if 9 months into current trading year and have 2 years finished
  • Salary plus their share of any dividend used if limited companies

Credit Flexibility

  • No credit scoring 
  • CCJs/defaults under £300 or over 36 months allowed
  • Recent CCJs/defaults and missed mortgage payments also considered 

Contractors

  • From 3 months in role
  • Day rate x 5 x 46 weeks
  • 1 month remaining on contract and evidence of renewal

First charge products:

  • Rates from 2.94%
  • Up to 80% LTV
  • Interest only/part and part up to 60%

Second charge products:

  • Rates from 3.74%
  • Up to 75% LTV
  • Buy to Let up to 70% LTV interest only 

Take a look at their product guides or give them a call to find out more.

Register with Masthaven

Register online with Masthaven today here.

Contact Masthaven  

Broker Support Team – 0207 036 2020

First Charge Mortgages – John Smith, National Account Manager – 07932 569 261

Second Charge Mortgages – Jon Sturgess, Head of Sales – 07535 591 947