Your story goes beyond
just a credit score
Get professional advice and
trusted service for secured loans
- Borrow from £10,000 to £250,000
- Rates from 6.99% pa.*
- Flexible terms from 3-30 years
- Bad credit histories considered
- Self-employed, pension and benefit income
- Direct lender so no broker fees
*Available to eligible borrowers. Rates are subject to credit score, lending criteria, and individual circumstances.
Representative Example: A secured loan of £31,000 payable over 7 years on a fixed rate of 9.83% for the first 5 years, followed by a variable rate, currently 9.69%, would require 60 monthly payments of £553.17 followed by 24 monthly payments of £552.39. The total amount repayable would be £46,447.56, this includes interest, an arrangement fee of £1,999 and a processing fee of £499. The overall cost for comparison is 13.1% APRC representative.
Personalised borrowing for you
Apply today, get expert advice tomorrow
Our products include:
Secured / Homeowner Loans
Take out a loan against the equity in your property to overcome credit issues. Learn more...
Home Improvement Loans
A home improvement loan allows you to borrow money to pay for home renovations or essential repairs. Learn more...
Debt Consolidation Loans
A debt consolidation loan is used to pay off one or multiple high interest debts and combine them into one loan. Learn more...
Residential Mortgages
Flexible residential mortgages designed for borrowers who may not meet high street criteria. Learn more...
Remortgages
Replace your existing mortgage if your current deal is ending or your circumstances have changed. Learn more...
Not sure which is the best option for you? You don't need to decide. Enquire Now and we'll help find the right solution for you.
Why Choose Central Trust?
Fast and Simple Process
You could access funds within days by calling our team directly or enquiring online.
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.
Authorised and regulated by the FCA
We are committed to responsible lending, clear communications and good customer outcomes throughout the borrowing journey.
Your Loan,
Tailored for You.
Consolidating debt? Paying for a large expense like home improvement or a wedding? We have you covered.
Unlike many other lenders, there is no strict automation to our lending decisions. Your application is assessed by our team, not by a computer.
At Central Trust,
we like to do things differently.
We take the time to understand your 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 situation, we’ll take a common sense approach to your application.
Success stories
We believe that every customer deserves the highest standard of service.
Every application is unique. Browse our case studies below to see examples of how we've supported customers with different circumstances.
It's important to be aware that homeowner loans (otherwise known as secured loans) are not suitable for everyone. A homeowner loan may not be appropriate if:
you are experiencing ongoing financial difficulties and additional borrowing would not resolve the underlying cause of those difficulties; you wish to borrow for discretionary or lifestyle spending;
you do not have a clear and reasonable purpose for borrowing; you are seeking to consolidate debts where previous borrowing has not improved your financial position; or you do not fully understand the risks associated with borrowing against your home.
Please feel free to get in touch if you would like to know more.
How it works
Organising your finances can sometimes feel stressful, but we want to make it as easy as possible for you.
In just 3 simple steps you could have the money in your bank account. All you need to do is:
Enquire
Complete our quick and easy online enquiry form. Alternatively, you can speak to an advisor instantly by calling us or starting a live chat.
Share
One of our qualified advisors will call you to discuss your enquiry and work out a monthly payment that meets your needs and circumstances.
Complete
We'll help you complete the paperwork and any other supporting documentation required. Everything can be completed electronically, or on paper if you prefer.
Ready to enquire?
Call an advisor free on:
0800 980 6273
- Friendly UK based advisors
- Enquiring won't affect your credit rating
- Fast turnaround time 7-10 days is possible
- Immediate contact from our advisors
- We are a direct lender