Secured Loans for Homeowners

Get a Secured Loan using your home from £3,000 up to £250,000 over 3 to 25 years.

We are a direct lender, not a broker, so there are no hidden fees or charges.

All credit histories considered!

Apply online NOW!

Secured loans, Homeowner Loans and Second Mortgages

How much do you
want to borrow?

  • Unlimited over payments
  • Simple application process
  • I am a UK homeowner

Representative Example:

A secured loan of £22,500 payable over 5 years on a fixed rate of 9.50% would require 60 monthly payments of £493.52. The total amount repayable would be £29,611.20, this includes interest and a product fee of £999. The overall cost for comparison is 12.0% APRC representative.

Customer Google Reviews - Central Trust Ltd

Get a Great Deal on a Secured Loan FAST!

We provide secured loans for homeowners from £3,000 up to £250,000 with repayment periods from 3 years up to 25 years.

We are one of the UK’s longest established specialist lenders trading since 1988 and we are a direct lender, not a broker so there are no hidden fees or broker charges.

We specialise in providing loans at fantastic rates of interest and we can even help people that have adverse, poor or even bad credit too!

Our team of advisors are here to get you a great deal as quickly as possible - apply for your secured loan now and get your money with no delays!


What are Secured Loans?

As well as providing finance for people with good credit, secured loans are a great way for people with adverse or poor credit histories to borrow the money they need…

Secured loans are a form of lending that use a property (usually your house or apartment / flat) as security. Using your home as security for a loan allows lenders to be more flexible about who they lend money to. This means that it is often possible for people with adverse, poor or even bad credit histories to borrow the money they require without paying the higher rates of interest usually associated with unsecured borrowing.

In order to secure a loan, it is essential that you are a homeowner or mortgage holder with enough equity in the property to be used as security for the loan. For this reason, our loans are also often referred to as homeowner loans. Secured lending can be a great way to raise the cash you need, when you need it, without paying unnecessarily high interest rates.


Secured Loans for Bad Credit

As well as helping people with good credit, we also provide secured loans for people with adverse, poor or even bad credit histories…

If you’re struggling to get a loan because of an adverse, poor or even bad credit rating, we may still be able to help you.

We consider applications from people with credit histories that include issues such as CCJ’s, defaults or missed payments. All applications are considered on an individual basis so please get in touch to see if we can help you – whatever your credit circumstances, we will do our very best to help you get the secured loan you need!

Why choose Central Trust?

We are here for YOU. We will provide the loan you need without delays and with exceptionally high levels of service.

As a direct lender with over 30 years’ experience, we know exactly what it takes to provide the very best service available…

Over 30 Years’ Experience

We are one of the UK’s longest established specialist lenders trading since 1988 giving us over 30 years’ experience. We’re always here to help you, and we provide fast loans at great rates and pride ourselves on providing a level of service second to none.

Simple Application Process

Applying for a secured loan with Central Trust couldn’t be simpler. You can call our loans team directly on 0800 980 6273 (Mon–Fri: 8:00 am–7:00 pm / Sat: 9:00 am–1:00 pm) or you can apply online at any time using our quick and easy online form.

Friendly Personal Service

We pride ourselves on our service! We treat every single one of our customers with courtesy and respect and if we need to contact you, we’ll always make sure it’s at a time that suits you. We will answer any questions you may have honestly and deal with any problems quickly and fairly.

Looking For A Different Type Of Loan?

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How we're supporting customers affected by coronavirus

Our customers come first. We know that the situation around coronavirus (COVID-19) will be concerning for lots of you and causing disruption to your daily lives and finances. We are here to help and support you through these challenging times.

We always encourage customers who are experiencing difficulties to contact us as soon as possible so that we can discuss the support that is available to you.

We have a full range of tools available to support customers experiencing financial difficulty.

Please be assured, if you do need to speak to us we’re here to help, please call us on 0800 980 6274, alternatively you can contact us via email, live chat or complete our contact form and we will call you back.

Please see our FAQ page for further details on how we can support you.