A laptop next to some house paperweights and a notepad and pen

Central Trust has launched its new bridging product designed to provide homeowners across England and Wales with a fast, flexible and practical short-term funding solution.

The product offers up to 75% LTV on 1st charges and 70% LTV on 2nd charges, with loans starting from £20,000 and secured against the borrower’s primary residence (minimum property value £75,000). With a maximum term of 12 months, the product is tailored for short-term needs such as home improvements and light internal refurbishments.

Chief Executive at Central Trust, Debbie Burton, said: “We are very pleased to bring these new products to the market. This new offering provides a streamlined, common-sense bridging solution for brokers and their clients, combining speed, flexibility and competitive leverage in today’s evolving lending market. Speed and efficiency are central to the proposition. Central Trust’s 2026 digital-first process means we can provide an immediate "yes" decision coupled with rapid completions. Brokers can access instant indicative quotes via our online portal, with AVMs available up to 75% LTV and internal legal support provided on all second charges and non-purchase cases under £100,000. In many cases, completions can be achieved within 24 hours.”

The underwriting approach is deliberately pragmatic, with credit assessments focused on the last 12 months and allowing up to two adverse credit events, enabling greater accessibility for a wider range of borrowers.