Central Trust Limited

Central Trust Limited https://linktr.ee/CentralTrust Central Trust Ltd are an independently owned 1st & 2nd charge mortgage lender.

We are an independently owned 1st and 2nd charge mortgage lender, based in Watford and a part of the Norfolk Capital Group that has been providing secured loans for over 30 years. We have over 30+ years experience and are specialists in providing Secured Loans, Homeowner Loans and Second Charge Mortgages. We are committed to providing the highest standards of service to all of our introducers and

customers. We will always answer your questions and deal with any challenges quickly and fairly.We provide Secured Loans, Homeowner Loans, Second Mortgages, Second Charge Mortgages, Buy to Let Mortgages, Buy to Let Secured Loans.

Are you thinking about doing home improvements but worried about costs?Before you pack the paintbrush away, are you sure...
15/04/2026

Are you thinking about doing home improvements but worried about costs?

Before you pack the paintbrush away, are you sure you've seen all options available to you?
Our secured loans may offer the solution you need.

Whilst some lenders may not be able to assist people with bad credit histories, at Central Trust, we consider all credit histories, including defaults, CCJ’s, missed payments and those on debt management plans or IVA’s. These are however subject to our criteria and underwriting standards.

Before enquiring about a secured loan, you need to find out how much equity you have in your property and decide how much you are looking to borrow.

Loans are secured against your home and your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Speak to an advisor:
📞 0800 980 6085
📧 [email protected]
🌐 https://zurl.co/3QQNC

Why choose Central Trust as your lender?At Central Trust, there is no strict automation to our lending decisions. Your ...
10/04/2026

Why choose Central Trust as your lender?

At Central Trust, there is no strict automation to our lending decisions. Your application is assessed by our team, not by a computer. We take the time to understand your full circumstances, not just your credit score!

Our secured loans let you access money quickly with rates designed to suit your needs. Our experienced team of specialists will support you from start to finish and will provide a friendly, smooth and professional service.

With Central Trust, you can:
✔ Borrow up to £250,000
✔ Get flexible terms from 3-30 years
✔ Be considered no matter what your credit history shows
✔ Be employed, self-employed, in receipt of a pension or benefit income
✔ We're a direct lender, so there are no hidden broker fees

Eligibility subject to criteria. Loans are secured against your home, so it's important to be aware that your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Ready to discuss?
Get in touch:
📞 0800 980 6085
📧 [email protected]
🌐 https://zurl.co/Hx6Vh

We are pleased to have been shortlisted for the what MORTGAGE 'Best Second Mortgage Lender' award!At Central Trust, we p...
02/04/2026

We are pleased to have been shortlisted for the what MORTGAGE 'Best Second Mortgage Lender' award!

At Central Trust, we provide second charge mortgages to give customers the opportunity to take additional borrowing alongside their existing mortgage. We understand that financial needs can change over time, whether it’s for home improvements, consolidating debts, or covering unexpected expenses, and our aim is to offer flexible solutions that support our customers at every stage of their journey.

The voting stage is open and will run for the next 10 weeks, with the winners announced on Thursday 9th July at the Kia Oval, London! Have your say here: https://zurl.co/ZGPlz

Are you a homeowner looking to take out a loan?Whether you are self-employed, have adverse credit, a record of missed pa...
13/03/2026

Are you a homeowner looking to take out a loan?

Whether you are self-employed, have adverse credit, a record of missed payments, or dealing with significant life events, we may be able to help.

At Central Trust, we consider all credit histories and assess each case on its own individual merits. There is no strict automation to our lending decisions and your application is assessed by our team, not by a computer.

Our loans are also often called secured loans or second charge mortgages. Using your home as security against your loan can be a great way to get the cash you need, when you need it, and paying a lower rate of interest.

Even though using your home as security could help you borrow more money or overcome a poor credit history, it’s important to remember that your home may be repossessed if you do not repay the loan. Always make certain you can afford the monthly repayments and always budget for them each month.

Get in touch:
📞 0800 980 6085
📧 [email protected]
🌐 https://zurl.co/OuiV7

Well done to our team for receiving this brilliant customer feedback following the completion of a complex case!At Centr...
12/03/2026

Well done to our team for receiving this brilliant customer feedback following the completion of a complex case!

At Central Trust, we deal with all sorts of cases and customers with varying needs. There is no 'one-size-fits-all' solution and our team work hard to understand each individual case and the person behind it. We know that your story goes beyond a credit score, and we will always try to find a way to say ‘yes’.

Are you concerned your circumstances or credit score could be holding you back from being able to take out a loan? Our secured loans use your home as security against your loan, which can be a great way to get the cash you need, when you need it, and paying a lower rate of interest.

It’s still important to remember that your home may be repossessed if you do not repay the loan. Always make certain you can afford the monthly repayments and always budget for them each month.

Contact us:
📞 0800 980 6085
📧 [email protected]
🌐 https://zurl.co/TPFJU

If you’re thinking of taking out a loan, have you considered the impact of early repayments?Many lenders will apply Earl...
04/03/2026

If you’re thinking of taking out a loan, have you considered the impact of early repayments?

Many lenders will apply Early Repayment Charges (ERCs) to protect their expected earnings, so you may want to consider the full impact before going ahead.

At Central Trust, we offer products that give our customers the peace of mind of a fixed monthly payment, but without charging a penalty.

Our No-ERC product means:
• No minimum or maximum amount is permitted on overpayments.
• Customers can choose to either reduce their term which helps reduce the interest cost or reduce their monthly payment.

Looking for a loan with no early repayment charges?

Contact us:
📞 0800 980 6085
📧 [email protected]
🌐 https://zurl.co/umWVd

Worried your credit score will impact your loan eligibility?At Central Trust, we consider all credit histories and asses...
02/03/2026

Worried your credit score will impact your loan eligibility?

At Central Trust, we consider all credit histories and assess each case on its own individual merit.

For those with adverse or bad credit scores, we can provide a secured loan which uses your home (or another property you own) as security. This means that your home or property could be repossessed if you do not keep up repayments on the loan.

Because you are providing your home as security against the debt, lenders such as ourselves can be more flexible regarding who they lend to. Although a viable option if you have adverse credit, secured loans are not without risk, and it is essential that you make certain you can afford the monthly repayments.

Want to discuss further?

Contact us:
📞 0800 980 6085
📧 [email protected]
🌐 https://zurl.co/bqZ78

📣 Self-Employed with a Ltd Company? You Could Borrow More Than You Think!At Central Trust, we understand that dividends ...
10/02/2026

📣 Self-Employed with a Ltd Company? You Could Borrow More Than You Think!

At Central Trust, we understand that dividends don’t always tell the full story. That’s why, unlike many lenders, we go further in how we assess income for Ltd company owners. 🙌

Here’s how we do it differently:
✔️ We include salary and applicant’s share of net profit
✔️ Not limited to dividends only
✔️ Higher income calculations = better borrowing potential

Whether you're planning to refinance or take the next step on your property journey, we’re here to support your success.

Contact us:
📞 0800 980 6085
📧 [email protected]
🌐 https://zurl.co/AvWRT

📍 Do you have clients living in Northern Ireland? We can help — and here’s how: At Central Trust, we offer flexible lend...
23/07/2025

📍 Do you have clients living in Northern Ireland? We can help — and here’s how:

At Central Trust, we offer flexible lending solutions tailored to your clients' unique circumstances, including:
✅ Consider clients with complex credit histories
✅ Self-employed, retired, or benefit income considered
✅ No minimum credit score required

Whether it’s for debt consolidation, home improvements, or something else — we’re here to support you and your clients.

Contact us:
📞 0800 980 6085
📧 [email protected]
🌐 https://zurl.co/FGUUi

✅ Last week, we had the pleasure of taking part in ConnecTED Manchester—connecting with brokers, building new relationsh...
14/07/2025

✅ Last week, we had the pleasure of taking part in ConnecTED Manchester—connecting with brokers, building new relationships, and exploring real opportunities to support client growth.

A big thank you to the Connect for Intermediaries team for hosting such a well-organised and impactful event. 👏

We had some fantastic conversations and look forward to continuing the momentum. If we didn’t get a chance to connect on the day, feel free to reach out—we’d love to hear from you.

📞 0800 980 6085
📧 [email protected]
🌐 www.centraltrust.co.uk

🚀 How We Helped a Client Save £364/Month Despite Land Registry DelaysAt Central Trust, we know time is money—and when cl...
09/07/2025

🚀 How We Helped a Client Save £364/Month Despite Land Registry Delays

At Central Trust, we know time is money—and when clients need support, waiting isn’t an option.

🔍 One of our client’s Land Registry record hadn’t been updated yet, even though they had just bought the property. Instead of letting that delay the process, we acted fast:
✔️ Expedited the Land Registry application
✔️ Submitted to underwriting within 48 hours of receiving documents
✔️ Completed and paid out the loan in just 8 days

If your client’s in a similar situation, we’re here to help—quickly and confidently.
📞 0800 980 6085
📧 [email protected]
🌐 www.centraltrust.co.uk

Address

Office 1, 1st Floor, Building 2, Axis, Rhodes Way
Watford
WD244YW

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm
Saturday 9am - 1pm

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