We’ll always look for a way to say ‘yes’ to your clients
Applications submitted before 13:00 will receive a response by 19:00.
Your commission is paid the next working day after completion.
We are one of the UK's longest established specialist lenders, so you can relax knowing you're dealing with an experienced team.
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.
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
4 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 client's personal circumstances, as we know that not everyone’s finances are simple. So whether they are self-employed, in an employment probation period, or they 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.
We accept employed, self-employed, contractors, agency workers and zero hour contracts
We lend to borrowers in England, Wales, Scotland and Northern Ireland
We accept benefit income (e.g. PIP and universal credit), pension income and child maintenance
We have no LTV restrictions, as long as the property is mortgageable and suitable to the area
We consider all credit profiles such as CCJs, defaults, missed payments and mortgage arrears
Our minimum property value is £75,000
Trying to place complex cases, 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.
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.
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.
The approval process takes around 24 hours to complete.
Once you have access to our portal, you will be able to submit cases and / or obtain quotes.
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.
Yes, the status of the application will be updated as your application progresses, and you can track this on the portal.
Commission is paid within 24 hours of completion, by bank transfer.
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
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.
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.
