Low cost
Homeowner loans

Borrow direct from one of the UK's longest established secured loan providers

  • Loans from £3,000 to £250,000
  • Over 3 to 30 years
  • Borrow direct - no broker fee
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How much do you
want to borrow?

  • No broker fees
  • Unlimited over payments
  • Simple application process
  • I am a UK homeowner

Representative Example:

A secured loan of £19,000 payable over 5 years on a fixed rate of 9.50% would require 60 monthly payments of £420.02. The total amount repayable would be £25,201.20, this includes interest and a product fee of £999. The overall cost for comparison is 12.4% APRC representative.


We’re an independently owned specialist secured loan lender in the UK and are part of the Norfolk Capital Group of companies that have been providing secured loans since 1988. We provide loans from £3,000 to £250,000 for UK homeowners. Central Trust are authorised and regulated by the Financial Conduct Authority providing an advice and recommendation service which means we will always act in your best interest to ensure the product we recommend fully meets your needs and circumstances.

Why choose Central Trust?

Simple application process
We’re committed to providing a fast high standard service to all our customers. This includes named contacts, regular updates throughout your application, and clear communication in plain English.
Over 30 years’ experience
We are one of the UK’s longest established second charge mortgage providers trading since 1988 so we have really good experience in what we do.
Friendly personal service
We treat all our customers with courtesy and respect, and if we need to contact you, we’ll make sure it’s at a time that suits you. We’ll always answer your questions honestly and deal with any problems quickly and fairly.