Masthaven Finance Updates Bridging Proposition with Rate Cuts, AVMs and Dual Rep

13 January 2026

Specialist finance lender, Masthaven Finance, has announced a series of enhancements to its bridging proposition, including bridging rate reductions, expanded use of AVMs, and the introduction of dual representation to the market.

The enhancements include a number of pricing changes across its bridging range.

Regulated first-charge residential bridging rates have been reduced to 0.84% up to 70% LTV and 0.89% up to 75% LTV.

For regulated first-charge heavy renovation cases, pricing has been reduced to 0.99% up to 60% LTV and 1.04% up to 70% LTV.

Non-regulated first-charge bridging rates have also been reduced, with pricing starting from 0.79% up to 60% LTV, 0.84% up to 70% LTV and 0.89% up to 75% LTV.

Whilst second charge non-regulated bridging starts from 0.89%.

Alongside the rate reductions, Masthaven is expanding its use of AVMs to support faster decision-making and improved turnaround times. Under the updated criteria, first-charge loans may be considered for AVMs up to £350,000 at a maximum 55% LTV and up to £250,000 at a maximum 65% LTV.

To support cases where valuation confidence is lower, the lender has introduced a new AVM band allowing loans up to £150,000 at a maximum 60% LTV.

For second-charge loans, AVMs may be used up to £250,000 at a maximum 50% LTV and up to £150,000 at a maximum 60% LTV.

In addition, Masthaven Finance has introduced dual representation to simplify the legal process and help suitable cases progress more efficiently. The lender will continue to monitor outcomes closely and actively seek feedback from brokers and borrowers to refine the process further and ensure it delivers consistent benefits.

Jim Baker, Sales Director - bridging & development, comments:

“By sharpening our pricing, expanding the use of AVMs and rolling out dual representation, we’re giving brokers greater certainty, faster outcomes and a smoother experience overall for their clients.

“This proposition is built around the cases we see on desks every day, and we’ll continue listening to broker feedback and refining it as the market evolves.”