Get professional advice and
trusted service for secured loans
*Available to eligible borrowers. Rates are subject to credit score, lending criteria, and individual circumstances.
Representative Example: A secured loan of £31,000 payable over 7 years on a fixed rate of 9.83% for the first 5 years, followed by a variable rate, currently 9.69%, would require 60 monthly payments of £553.17 followed by 24 monthly payments of £552.39. The total amount repayable would be £46,447.56. This includes interest, an arrangement fee of £1,999 and a processing fee of £499. The overall cost for comparison is 13.1% APRC representative.
Apply today, get expert advice within one business day.
Secured / Homeowner Loans
Take out a loan against the equity in your property to overcome credit issues. Learn more...
Home Improvement Loans
A home improvement loan allows you to borrow money to pay for home renovations or essential repairs. Learn more...
Debt Consolidation Loans
A debt consolidation loan is used to pay off one or multiple high interest debts and combine them into one loan. Learn more...
Residential Mortgages
Flexible residential mortgages designed for borrowers who may not meet high street criteria. Learn more...
Remortgages
Replace your existing mortgage if your current deal is ending or your circumstances have changed. Learn more...
Buy to Let
Consumer buy to let secured loans for accidental or non-professional landlords. Learn more...
Bridging Loans
Short-term financing solutions designed to cover temporary funding gaps such as chain breaks. Learn more...
You could access funds within days by calling our team directly or enquiring online.
We are one of the UK's longest-established specialist lenders, so you can relax knowing you're dealing with an experienced team.
We are committed to responsible lending, clear communications and good customer outcomes throughout the borrowing journey.
Your Loan,
Tailored for You.
Consolidating debt? Paying for a large expense like home improvement or a wedding? We have you covered.
Unlike many other lenders, our lending decisions are not strictly automated. Your application is assessed by our team, not by a computer.
Stephen Stone
2 years ago
Incredible company. Empathetic and supportive staff that know how to offer customers a package that suits them. I was fed up with automated systems from the standard banks. This company talk to you and help you find something to suit your circumstances. I cant thank them enough for how they helped me
Greg Erasmus
3 years ago
When I contacted Central Trust I had a very strict deadline to make a payment. Jenny was extremely helpful and informative and got the process started straight away. The whole way through I was kept informed at every stage of my application and any hiccups was swiftly dealt with. I can't thank Jenny, Tara and Stephanie enough for their help and professional service. Highly recommend.
Edward Mawby
3 years ago
I originally left a review that said I was not satisfied with the service provided, however after being in touch with Tara I felt she tried her best to get the answer we wanted. Unfortunately it didn't work out, but she left us feeling optimistic that we can go back in a couple of months time to try again. Thank you for doing your best to help!
Anglela Ferrante
3 years ago
What an absolute delight of a company. Following setback created by the mini budget, I was left in a predicament, central trust came to the rescue and provided an excellent swiftly process. I would highly recommend using them. I dealt with Jenny who couldn’t of been more proactive and helpful.
Gwenda Squire
6 years ago
Really friendly, professional service. Completed within a matter of days. Would highly recommend
David Cutler
6 years ago
Mostly good, gave me the wrong return address for a form that needed a signature witness which meant the form was lost and I had to go through the hassle of finding a witness again. Asked me to send a settlement figure which they had already received from me and had acknowledged receipt. But on the whole much more efficient, faster and more communicative than the bank who I applied to borrow the money from.
Stuart Donald
6 years ago
Professional and pressure free from start to finish.
Tracy Mawson
6 years ago
Fantastic service from start to finish very efficient.
At Central Trust,
we like to do things differently.
We take the time to understand your personal circumstances, as we know that not everyone’s finances are simple. So whether you’re self-employed, in a probationary period, or you have a low credit score, we’ll always look for a way to say ‘yes’.
Whatever your situation, we’ll take a common sense approach to your application.
We believe that every customer deserves the highest standard of service.
Every application is unique. Browse our case studies below to see examples of how we've supported customers with different circumstances.
Home Improvements
Home improvement loan from an applicant with poor credit history
Debt Consolidation
Debt consolidation loan for an applicant with multiple lines of credit
Debt Consolidation
Despite the missed payment and lack of job security, we secured the lending
Debt Management Plan
Discover how we helped a client with a debt management plan secure a loan
How it works
Organising your finances can sometimes feel stressful, but we want to make it as easy as possible for you.
In just 3 simple steps you could have the money in your bank account. All you need to do is:
Enquire
Complete our quick and easy online enquiry form. Alternatively, you can speak to an advisor instantly by calling us or starting a live chat.
Share
One of our qualified advisors will call you to discuss your enquiry and work out a monthly payment that meets your needs and circumstances.
Complete
We'll help you complete the paperwork and any other supporting documentation required. Everything can be completed electronically, or on paper if you prefer.
Ready to enquire?
Call an advisor free on:
0800 980 6273
It's important to be aware that homeowner loans (otherwise known as secured loans) are not suitable for everyone. A homeowner loan may not be appropriate if:
you are experiencing ongoing financial difficulties and additional borrowing would not resolve the underlying cause of those difficulties; you wish to borrow for discretionary or lifestyle spending;
you do not have a clear and reasonable purpose for borrowing; you are seeking to consolidate debts where previous borrowing has not improved your financial position; or you do not fully understand the risks associated with borrowing against your home.
Please feel free to get in touch if you would like to know more.
