A specialist lender challenging traditional banking. Unlike others they don’t box-tick or credit-score.

Society is changing, and their products reflect that: from mortgages for self-employed people to bridging loans to help people buy homes.

They’re a digital bank with a human heartbeat.


Tools & Calculators


Proc Fees

Product Gross      Min Net        Min
Residential & Buy-to-Let 0.55% 0.50%
Bridging Finance
1.50% 1.35%
Product Type When does the lender pay PMS? Frequency
All 3 working days after completion. Daily.

Lenders send payments by BACS which can take anything up to 5 working days to clear at PMS. PMS then make payment to brokers once the funds have cleared in our account.  

Overview - Residential & Buy to Let

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Register to place business with Masthaven:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.

Mortgages Short Term Products

First charge or second charge, residential or buy to let, unlike others they don’t box-tick or credit-score. Society is changing, and their mortgage products reflect that: from helping contractors and self-employed to those that don’t meet the typical high street profile. 

Take a look at their criteria highlights available across their mortgage products

Self Employed

  • From 18 months trading – accountants certificate accepted
  • Projections considered if 9 months into current trading period and have 2 years finalised
  • Salary plus share of dividend used for 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


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

You’ve also got access to their second charge mortgage range that are great for customers with:

  • Very competitive existing fixed/tracker rates on their current mortgage
  • Recent CCJ’s/Defaults under £300 
  • Existing mortgage on interest only 
  • Early redemption charges

Key product features:

  • Loans from £10,000-£750,000
  • Residential and Buy to Let 
  • Up to 75% LTV
  • No credit scoring
  • No ERC’s on residential ranges 
  • CCJs/defaults under £300 or over 36 months ignored
  • Available in England/Scotland/Wales

Overview - Bridging

They recognise that in an increasingly diverse world, you need a range of short-term lending solutions supported by excellent service and competitive rates.

Bridging Plus 

  • For loans over £750,000
  • Dedicated senior underwriting team
  • Attractive commission

Standard Bridging

  • For refurbishments, extensions and customers with credit problems
  • First charge up to 65% LTV
  • Second charge up to 60% LTV

Prime Bridging

  • Competitively priced, flexible option for customers with clean credit
  • First charge up to 70% LTV
  • Second charge up to 65% LTV

Light Development

  • Enhanced LTVs and reduced rates 
  • Up to 60% of purchase price
  • Up to 100% of build costs funded in arrears

Development Finance

  • For ground up developments, self build and larger extensions
  • Up to 50% of purchase price
  • Up to 25% of value if already owned
  • Up to 100% build costs funded in arrears

Guides, calculators and useful links