Masthaven Finance Simplifies and Reduces Pricing Across Unregulated Bridging Products

12 June 2025

Specialist finance lender, Masthaven Finance has today announced significant enhancements to its refurbishment, semi-commercial and commercial bridging products, including a major simplification of its pricing structure and product range.

As part of the changes, the lender has streamlined its residential refurbishment offering from five products down to three, simplifying the borrower journey and making it easier for intermediaries to place deals, while introducing one of the most significant updates to date: heavy renovation projects are now included within the standard residential product, with up to 100% of cost of works funded in arrears

Pricing across the range has also been sharpened. On residential refurbishment, 1st charge loan rates have been reduced to 0.89% up to 70% loan-to-value (LTV). Whilst on 2nd charge refurbishment loans, the lender has lowered rates to 1.04% up to 60% LTV.

Semi-commercial and commercial lending has also seen a notable rate reduction. Semi-commercial products are now available at 0.94% up to 60% LTV and 0.99% up to 65% LTV. For commercial properties, rates have fallen to 0.99% up to 60% LTV and 1.04% up to 65% LTV.

Jim Baker, Sales Director – Bridging & Development at Masthaven Finance, commented:

“These enhancements not only aim to simplify the customer journey but also deliver a more competitive pricing structure for complex refurbishments. By simplifying our product suite and sharpening our pricing, we’re giving brokers what they need – clarity, speed, and confidence.

“These changes reflect our ongoing commitment to being a trusted partner in the specialist finance space. We’re listening to what brokers need and we’re evolving to meet those needs.”

Emmanuel Johnson, Underwriting Manager – Development Finance at Masthaven Finance, added:

“Small development and renovation schemes are often underserved by traditional lenders but with these changes, we’re aiming to empower experienced developers and property professionals to take on more ambitious projects knowing they’ve got the right support behind them.”

These product updates follow Masthaven Finance’s recent announcement that it has joined the National Association of Commercial Finance Brokers (NACFB) – a step that reflects the lender’s focus on strengthening its role in the commercial and development finance space.