Secured Loans from Masthaven Finance
Overview of Masthaven’s secured loan offerings. Learn about their flexible terms and borrower criteria.
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Spotlight on Masthaven Finance
Masthaven Finance is a prominent UK ‘challenger’ bank founded in 2005. It’s known for providing flexible bridging loans, development finance, mortgages, and savings products—alongside a range of secured loan options that fit different borrowing needs.
Specialist secured lending
Masthaven offers flexible secured loans for people with specialist borrowing needs, including credit challenges. If you’re still weighing up your options, our main secured loans guide gives a broader picture before you look at Masthaven’s specifics. Here are the key features:
- Available on residential and buy-to-let properties
- Remortgage, unencumbered, and second charge loan options
- Suitable for complex incomes, all credit profiles (including IVAs), and non-standard homes
- Funding for debt consolidation or home improvements
- Apply via FCA-authorised brokers from Masthaven's approved panel
Flexible terms, tailored to you
Masthaven offer secured loans with the following terms:
- Loan amount: £10,000 to £300,000
- Loan term: 2 to 30 years
- Rate types: Fixed or variable
- Representative example: 10.75% fixed per annum (APCR: 14.99%)
- Early repayment: An early repayment charge (ERC) may apply
Summing up
Masthaven’s secured loans support those with complex incomes and poor credit, whether you’re looking to consolidate debt or make home improvements. For a wider look at how this type of borrowing works across lenders, check our secured loans overview. All applications are handled through FCA-authorised brokers from Masthaven's approved panel, for a responsible and tailored borrowing experience.
Frequently Asked Questions: Secured Loans
Will my property be valued for a Masthaven loan?
Since Masthaven loans must be secured against owner-occupied homes in England, Wales, or mainland Scotland, a mortgage valuation may be needed. This will be arranged by your broker, who will also inform you if a fee applies.
Are there any additional costs to be aware of?
Yes, there may be extra costs not included in the loan example, depending on the specific broker and loan. These may include product and valuation fees, as well as charges for returned direct debits and monthly management. Full details can be found in Masthaven's Tariff of Charges sheet.
How do I make my loan repayments?
All loan repayments on a Masthaven loan must be made by direct debit on a monthly basis for the duration of the loan term.
What happens if I don't keep up with my loan payments?
Masthaven believe in the fair treatment of customers and will always work towards a solution if you miss payments. As with any secured loan, however, as a last resort, your home may be repossessed to recover the debt.
Can I repay my Masthaven loan early?
Yes, you can make overpayments or repay your Masthaven loan in full at any time. An early repayment charge (ERC) may apply, but fees will be explained beforehand.
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