Secured Lending
for Complex Needs
We’ll always look for a way to say ‘yes’ to your clients
- Loans from £10,000 to £250,000
- up to 90% LTV
- Minimum property value from £75,000
- England, Wales, Scotland, and Northern Ireland
- Self-employed, pension and benefit income
Why choose Central Trust?
Same Day Turnaround
Applications submitted before 13:00 will receive a response by 19:00.
Fast Commission Payments
Your commission is paid the next working day after completion.
Over 35 Years’ Experience
We are one of the UK's longest established specialist lenders, so you can relax knowing you're dealing with an experienced team.
Tailored Solutions
for Complex Cases
At Central Trust, our mission is simple. We want to offer choice and opportunities to you and your customers through solution lending.
We understand that life happens and there’s more to your client’s story than their credit profile or recent pay slip.
What do our customers say about us?
At Central Trust, we like to do things differently.
We take the time to understand your client's personal circumstances, as we know that not everyone’s finances are simple. So whether you’re self-employed, in an employment probation period, or you have a low credit score, we’ll always look for a way to say ‘yes’.
Whatever your client's situation, we’ll take a common sense approach to find the best solution for them.
Flexible Lending Criteria to Suit Your Needs
Employment
We accept employed, self-employed, contractors, agency workers and zero hour contracts
Full UK coverage
We lend to borrowers in England, Wales, Scotland and Northern Ireland
Income
We accept benefit income (e.g. PIP and universal credit), pension income and child maintenance
Non standard constructions
We have no LTV restrictions, as long as the property is mortgageable and suitable to the area
Bad credit
We consider all credit profiles such as CCJ’s, defaults, missed payments and mortgage arrears
Low property values
Our minimum property value is £75,000
How it works
Trying to place complex cases, such as such as those with non-standard incomes or adverse credit, is not always straightforward.
All of our cases are reviewed by a member of our experienced underwriting team to avoid rigid automation. Given the right conditions, we sometimes turn cases round within 24 hours!
Got a case? All you need to do is:
Register
Register your business using our quick and easy online form. Alternatively, you can speak to the mortgage desk on 0800 980 6100 or email mortgagedesk@centraltrust.co.uk
Onboard
You will need to go through a formal onboarding process before we can proceed with any cases. We just need two forms and the process takes roughly 24 hours.
Complete
Once you have access to our portal, you will be able to submit cases and track their status as your application progresses. Commission is paid within 24 hours of completion.
How do I become an approved intermediary partner?
To become an approved intermediary partner, you must first register your details through our website, and subsequently complete a formal onboarding process.
Complete the ‘Register with us’ form on the intermediaries homepage and someone will be in contact.
What documents are required to complete onboarding?
To complete your onboarding, we only require two forms. The first is a due diligence form, which helps us meet our regulatory and compliance requirements. The second is an application form that enables us to establish a tripartite agreement between your firm, Central Trust, and Equifax, allowing you to access the services and data required to operate through our platform. Once both forms have been completed and reviewed, we can begin the approval process.
How long does the approval process take?
The approval process takes around 24 hours to complete.
How do I submit a new case or quotation request?
Once you have access to our portal, you will be able to submit cases and / or obtain quotes.
What types of clients and cases do you support?
We consider a wide range of client profiles and circumstances, from prime and near-prime applicants through to less-prime cases. We also support clients with complex income structures, including self-employed applicants, multiple income sources, contractors, company directors, and those receiving benefits. Whether your client has straightforward or more challenging circumstances, every application is assessed on its own merits, and we will consider all cases submitted to us.
Can I track the status of my submissions online?
Yes, the status of the application will be updated as your application progresses, and you can track this on the portal.
When and how is commission paid?
Commission is paid within 24 hours of completion, by bank transfer.
Who do I contact for underwriting or case support?
Any of the underwriting team or sales support will be more than happy to help or assist you.
Call an advisor free: 0800 980 6100
Or email us: mortgagedesk@centraltrust.co.uk
How do I access or reset my intermediary portal account?
You can access the portal either through the intermediaries homepage, or the link you will be provided with when you are registered.
For ease, you can also login to the portal here.
To reset your password if you've forgotten it, you can click the 'Forgot your password?' button and follow the steps on the email that follows.
How are renewals, amendments, and cancellations managed?
Your intermediary agency agreement will be reviewed annually to ensure it remains up to date and continues to meet our compliance and operational requirements. If any issues or concerns are identified during the review process, these will be discussed with you and, where appropriate, guidance will be provided on any actions required. Any amendments to your agency details should be communicated to us as soon as possible to ensure our records remain accurate.
