How much can I borrow?
We offer mortgages from £10,000 up to £250,000. If you need to borrow less than our minimum, we can, with your permission, refer you to one of our partners who may be able to help.
Contact Us
We are here to help you! If you have a query about your secured loan, homeowner loan or mortgage, or anything else at all, get in touch and we will be happy to help out.
Send us an email or pick up the phone using the details below.
GET IN TOUCH
Enquire Now and Get Professional Advice
Phone Number
0800 980 6274
Email Address
enquiries@centraltrust.co.uk
Address
Building 2, Axis, Rhodes Way, Watford,
Hertfordshire, WD24 4YW
SMS
07943 054317
Live Chat
Click the bottom right corner
Opening Hours
Mon-Thurs: 8:00 am - 7:00 pm
Fri: 8:00 am - 6:00 pm
How to make a complaint
If you have a complaint about any aspect of the service you've received, we're here to listen. We're dedicated to handling your complaint fairly, efficiently and promptly. To make a complaint, contact complaints@centraltrust.co.uk
What happens next?
We'll make every effort to resolve your complaint as soon as possible. If we can resolve it within three business days, we will contact you but if it takes longer, we'll log it as a formal complaint, and you will receive an acknowledgement letter within 5 days and a final response within 28 days.
If you're unhappy with our final response or, if we're unable to resolve your complaint within 8 weeks, you have a right to refer your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service is a free, independent service to help resolve disputes between customers and financial institutions.
If your complaint is about how we have processed your personal information, we will acknowledge your complaint and provide a final response within 30 days. If we are unable to resolve your complaint to your satisfaction, you have the right to refer your complaint to the Information Commissioners Office (ICO) - www.ico.org.uk/ / Free Phone: 0303 123 1113.
Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Free Phone: 0800 023 4567
E-mail: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
Fraud alert
We are aware of scams involving individuals being offered loans for an advanced upfront fee by organisations posing as a representative of Central Trust Limited. We do not charge up-front fees for our loans and would not approach you directly in this way. If you think you have been a victim of such a scan, please contact your bank immediately and report it to action fraud.
Further help and advice
If you have problems using a computer because of a disability or impairment then we recommend that you visit AbilityNet’s My Computer My Way website, which provides lots of advice on how to make your computer easier to use. You can call their free helpline on 0800 048 7642 for more information.
How long does it take to receive a loan?
The average turn around we work towards is 2-3 weeks but we can complete in as little as two days. It all depends on what is needed and how fast you can send back the required documents.
Do I qualify for a mortgage?
To apply for a mortgage you must be a UK homeowner. We do not accept tenants. If you jointly own the home you must apply with the other person.
How much equity do I need for a secured loan?
You'll typically need at least 10% equity in your property. We work out how much you can borrow based on your home's value and what you already owe — your existing mortgage balance plus any new loan can't add up to more than 90% of your home's value.
I have bad credit. Can you help?
Yes, we help clients with a variety of credit profiles. It all depends on what sort of adverse credit you have and how recent it is, so the best way to find out is to get in touch and talk it through with our team.
How do I apply?
If you would like to apply for a mortgage then simply use our online form or call us direct on 0800 980 6273.
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