Masthaven were founded in 2004 and are based in Soho, in the centre of London. In 2016, they received their official bank license, so in addition to offering bridging loans and development finance, they also provide savings accounts and mortgages. For bridging, customers can borrow up to £5 million at an LTV of 70% with interest rolled up. The loan duration is up to 12 months for regulated loans and up to 18 months for non-regulated. Finance is available on a first charge or second charge basis, with separate terms available.

Minimum Age
Loan Value Available
£100,000 to £5,000,000
Loan Length
12 months (regulated) and 18 months (non regulated)
Typical Time to Fund
1 week
Interest Rates
Upon request
Credit Check
Other Information
70% LTV first charge, 65% LTV second charge
FCA License Number
  • Direct Lender
  • FCA Authorised
  • Secured Loan

Get a Quote

  • By submitting this form I agree to being contacted by SPF Short Term Finance and I have read and accept the Terms and Conditions.

Octagon Capital

3-4 Holborn Circus,
Holborn, London

Opening Hours

Monday to Friday
9:00 am to 18:00 pm


Call us today 0333 414 1491

What Finance is Available From Masthaven?

Residential: Applicants can apply for finance towards residential properties starting from £100,00 to £5 million. This is commonly used by individuals who are looking to release equity from their properties for expenses or to move home. It is used by investors or companies in order to purchase a property for the purpose of buy-to-let. Your loan is always secured on the property in question so if you cannot keep up with repayment and all other collection methods have been exhausted, your property may be repossessed by the lender.

First Charge: This is the first priority when it comes to making your monthly mortgage or home repayments. Since it is the first port of call of collecting for any lender, the amount you can borrow (whether it is you or your company) is increased. At Masthaven, you can borrow up to £5 million at a LTV of 70%.


The loan term is 12 months for a regulated loan and this is likely to have lower interest rates and more favourable terms. If you would like to apply for a non-regulated loan, you can borrow for up to 18 months but you may have to face a higher interest rate.

The difference between unregulated loan is that credit checks are not compulsory so this type of funding favours those with little credit history, adverse credit records or those who are self-employed. You cannot lend an unregulated loan on someone’s primary residence – so provided that the individual who has applied does not live there, you may proceed.

You have the option to repay early at any point, after the initial period has passed, and there are no early exit or ‘early redemption fees’ for clearing your accounts before the end of the loan term.

Second Charges: This is the next priority to be paid after the first repayment has gone out on your property. For this reason, the lender is second in the pecking order when it comes to your repayment, so if you ever face financial difficulty, they realise that they may get paid less or not at all. For this reason, the amount you can borrow and the rates are a little less than a first charge.


The maximum you can borrow is £1 million with a loan-to-value of 65%, meaning that you are required to put in a minimum of 35% out of your own finances or investing. Once again, the loan duration is 12 months for regulated activity and 18 months for non-regulated lending, there are no early exit fees and can you clear your account at any time.

A combination of first and second charge loans is available from Masthaven as follows:

  • Maximum loan £2,000,000 first charge/£500,000 second charge
  • Maximum loan to value 65% 1st Charge/60% 2nd Charge

Refurbishments: Customers can also apply for finance to carry out refurbishments on a property. This includes light renovations that do not require any building regulations or planning permission such as refitting a kitchen, adding new flooring or a conservatory that is less than 10 feet. There is also the option to do heavy refurbs which involve applying for planning permission and making physical changes to the building such as adding rooms, extensions, lofts and basements.

Development: For budding property developers and investors, you can apply for up to £2 million for the same period of 12 months (regulated) and 18 months (non-regulated). In a similar model to Regentsmead, the amount you can borrow is based on your Gross Development Value (GDV) which is the potential value of the property once you have fully developed it and it is available for sale on the open market.

Companies and individuals can borrow up to 60% GDV which consists of 50% of purchasing the land or property and 100% of construction costs like builders, architects, materials, plumbing and more. The funds are not distributed in one lump sum like with bridging, but instead the drawdown is in stages during the development project, allowing you to manage cashflow efficiently.

The repayments are typically rolled up until the end of the loan term – so when you find that you have completed the development and are ready to resell, you can pay back your loan. Alternatively you can always rent it out and just refinance under more favourable terms to suit you.

Savings Accounts: 

As an active bank, Masthaven also offer savings accounts, including 1-year fixed at 1.60% and a 5-year fixed at 2.06%. Your minimum savings are £500 and a maximum of £250,000 and any money saved up to £85,000 is covered by the Financial Services Compensation Scheme – so if something goes wrong and your money is not earning interest as planned, it can still be recovered.


Apply for a Loan with Masthaven

To apply with Masthaven, simply fill in your details in the form above or email us at We have partnered with the award-winning Brightstar Financial who will respond to your instantly, talk through your loan requirements and help you every step of the way until the funding of the loan.

Company Information

Address: 11 Soho St, Soho, London W1D 3AD

Countries they operate: England, Scotland and Wales.

Company no: 09660012

FCA authorisation number: 719354

Octagon Capital is the trading name of Tudor Lodge Digital Ltd which trades under company number: 10437769

Octagon Capital does not provide advice on regulated mortgage contracts or credit agreements, these are carried out by one of our independent FCA regulated associates. Octagon Capital acts as a Credit Broker with access to whole of market and does not act as a Lender.


Contact Us

Octagon Capital
3-4 Holborn Circus, Holborn
London EC1N 2HA
Find Us on Google Maps

Opening Hours
Monday to Friday
9:00 am to 18:00 pm

T: 0333 414 1491