Masthaven Bank offers FSCS-protected, flexible, fixed-term savings and personalised, secured lending. Masthaven has been providing loans since 2004, and launched in 2016 as a retail bank with a digital focus and a personal touch. It has around 19,000 savings customers with an average retention rate of 70%. Masthaven delivers on its promise of straightforward, hassle-free financial products and friendly, customer-centric service. Knowledgeable specialists provide flexible and fixed-term savings accounts, first- and second-charge mortgages, bridging loans, and development finance. The bank’s easy digital onboarding process comes with online calculators to help clients custom-create savings accounts to their specifications, down to the day of maturity. Masthaven gives customers better control over their money, with fixed-term savings accounts for individuals and businesses in one-, two-, three- and five-year terms. For additional control Masthaven’s flexible terms for both individuals and businesses start at six months. All accounts are protected by the Financial Services Compensation Scheme, guaranteeing UK deposits up to £85,000. Masthaven works with professional intermediary partners to extend loans to people from all situations. It recently increased automated valuation modelling (AVM) for bridging finance and mortgage cases to support customers when physical property valuations were not possible due to lockdown measures. Masthaven’s culture of digital innovation boosted its rapid Covid-19 response, providing unbroken assistance to clients. The CFI.co judging panel presents Masthaven Bank with the 2020 award for Most Innovative Digital Retail Bank (UK).