Masthaven Bank will examine your eligibility for a loan based on the specifics of your lending and borrowing history, rather than using a numerical credit score. This means you’re more likely to be approved for a loan, even if you have a minor blip on your credit file. In fact, the lender says it will completely dismiss certain negative entries on your credit report, including county court judgements (CCJs) older than 36 months or defaults on amounts lower than £300.

Masthaven Bank is happy to accept applications from first-time buyers, self-employed and contract workers, landlords and those borrowing into retirement. There is no maximum age limit for applicants, although you’ll need to be younger than 85 at the end of your mortgage term.

All mortgages come with a one-off lender fee.