Masthaven
“Can a specialist UK property lender consolidate the fragmented bridging/development/secured-loan market by combining with peers rather than by holding a bank licence?”
Founded2005
HQLondon, United Kingdom
FoundersAndrew Bloom
IndustryFintech / Lending
The story
Masthaven started in 2005 as a specialist property finance lender (bridging, development, secured loans). In 2016 it obtained a UK banking licence and operated as Masthaven Bank offering retail savings alongside mortgages. It has since wound down the retail bank and reverted to being a specialist non-bank lender; in 2025 it merged with Spring Finance under the Masthaven Finance Limited entity (Company number 14088677) to consolidate specialist lending capabilities.
Last 12 months
Product timeline
2005
Founded by Andrew Bloom as a specialist property finance lender.· founding
2016
Secured UK banking licence and launched Masthaven Bank offering mortgages and savings.· banking
2025
Merged with Spring Finance to form a single specialist lending entity (Masthaven Finance Limited).· acquisition
Regulated entities
1
regulatory licence held by Masthaven
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
1 layer disclosed in Masthaven’s embedded-finance stack
Lending
Masthaven Finance Limited (in-house)Bridging financeDevelopment financeSpecialist mortgagesSecond charge/secured loans
Accounting gap: none