Central Trust
- Company typePrivate
- Founded1988
- HeadquartersWatford, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
Central Trust firmographics
Firmographics- Name
- Central Trust
- Legal name
- Central Trust Limited
- Website
- https://centraltrust.co.uk
- Company type
- Private
- Founded year
- 1988
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Central Trust industry classification
Industry- Product category
- Specialist Secured Lending
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Private Credit / Direct Lending (FSAAAHAG)
Keywords
Where Central Trust is headquartered
LocationHeadquarters
- HQ city
- Watford
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Central Trust business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Secured Loan Interest: Interest income from secured loans where property serves as collateral. Loans range from £10,000 to £250,000 with terms of 3-30 years. Fixed and variable rate options available. Revenue generated through arrangement fees, processing fees, and ongoing interest payments.
- Bridging Loan Interest: Short-term bridging loans (12 months maximum) ranging from £20,000 to £300,000. Revenue from arrangement fees, broker fees, and monthly interest charges (0.95% per month representative example). No monthly payments during loan term - interest rolled up.
- First Charge Mortgage Interest: First charge mortgages for remortgages and capital raising against unencumbered properties, ranging from £10,000 to £150,000. Revenue from arrangement fees, processing fees, and interest payments over 10-35 year repayment terms.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Secured Loans: £10,000 - £250,000, 3-30 year terms |
| One time/ perpetual license | Pay-as-you-go | Bridging Loans: £20,000 - £300,000, 12-month term only |
| Subscription | Monthly | First Charge Mortgages: £10,000 - £150,000, 10-35 year terms |
| Subscription | Monthly | Homeowner Loans: £10,000 - £250,000, 3-30 year terms |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Central Trust product offering
Product offeringCore offering
Central Trust is an independently owned specialist secured loan lender operating since 1988. It provides UK homeowners with secured loans (£10,000–£250,000 over 3–30 years), first and second charge mortgages, remortgages, and short-term bridging loans (£20,000–£300,000 over 12 months), including specialist underwriting for applicants with adverse or bad credit, self-employed applicants, and accidental landlords.
Product overview
Central Trust is an independently owned specialist secured loan lender operating since 1988, offering a comprehensive portfolio of secured lending products. The core product line includes Secured Loans, Homeowner Loans, and Bad Credit Secured Loans, supplemented by specialized products such as Buy to Let Secured Loans, Debt Consolidation Loans, Home Improvement Loans, and Bridging Loans. The mortgage portfolio encompasses First Charge Mortgages, Second Charge Mortgages, Second Mortgages, and Remortgages. Additional niche products include Secured Loans with a DMP, Secured Wedding Loans, and Secured Loans for Self-Employed Applicants. All products are available to UK residents aged 18+ and are subject to status, with the company positioning itself as a direct lender offering flexible, common-sense lending decisions rather than automated processing.
Differentiator
Problem solved
Functional benefit
Products and services
- Secured Loans Primary secured loan product allowing UK homeowners to borrow £10,000–£250,000 using their home as collateral, with repayment terms of 3–30 years and fixed or variable rates. Representative APRC 13.1%.
- Homeowner Loans Loan product for homeowners to borrow money using their property as security, borrowing up to £250,000 with flexible 3–30 year terms.
- Bad Credit Secured Loans Secured loan product for applicants with adverse, poor, or bad credit histories including CCJs, defaults, missed payments, and debt management plans.
- Buy to Let Secured Loans Consumer buy to let secured loans for accidental or non-professional landlords, borrowing £10,000–£250,000 against rental properties.
- Debt Consolidation Loans Loan product to consolidate multiple high-interest debts into a single manageable monthly payment, borrowing £10,000–£250,000 secured against property.
- Home Improvement Loans Loan product for financing home renovations or essential repairs, borrowing £10,000–£250,000 with secured options.
- Bridging Loans Short-term financing solution bridging gaps between property transactions, borrowing £20,000–£300,000 with 12-month terms, no monthly payments during the loan term, and rolled-up interest at 0.95% per month. Representative APRC 23.5%.
- First Charge Mortgages Primary mortgage product secured against property, borrowing £10,000–£150,000 for remortgages and capital raising against unencumbered properties, with 10–35 year repayment terms.
- Second Charge Mortgages Loan secured against equity in property, taken out in addition to an existing first mortgage, borrowing £10,000–£250,000.
- Second Mortgages Additional loan alongside an existing mortgage using home as security, borrowing £10,000–£250,000 with repayment periods up to 30 years.
- Remortgages Mortgage product replacing an existing mortgage with a new one, borrowing £10,000–£250,000 for better interest rates, lower repayments, or capital raising.
- Secured Loans with a DMP Secured loan product for borrowers with an active debt management plan (DMP), considering all credit profiles.
- Secured Wedding Loans Secured loan product for financing weddings, borrowing from £3,000 up to £250,000 using home as security.
- Secured Loans for Self-Employed Applicants Secured loan product specifically designed for self-employed individuals requiring minimum 12 months trading history, accommodating non-standard income verification.
Quantifiable outcome
- Fast completion times: standard cases in 3 days, bridging loans in average 5 days
- +2 more outcomes
Companies that use Central Trust
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles5 records
Central Trust technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Central Trust partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor.
- MoneyHelperminorCentral Trust has partnered with MoneyHelper (government-backed free money guidance service) to provide customers experiencing financial difficulties with access to free, expert tools and guidance. MoneyHelper offers bill prioritiser tools, debt advice locator, and budgeting guidance. Central Trust recommends MoneyHelper resources on their Payment Difficulties page.
- Mercantile TrustminorMercantile Trust is identified as Central Trust's sister company for professional landlords seeking standard buy to let mortgages. Customers requiring standard buy to let products (as opposed to consumer buy to let secured loans for accidental landlords) are referred to Mercantile Trust.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
Central Trust competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Central Trust social profiles
Digital presenceCentral Trust compliance and trust
Trust signalCompliance2 records
Central Trust financial estimates
Financial estimateRevenue estimate
Valuation estimate
Central Trust leadership team
Management profileNumber of profiles
Central Trust funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Central Trust M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Central Trust
What does Central Trust do?
Central Trust is an independently owned specialist secured loan lender operating since 1988. It provides UK homeowners with secured loans (£10,000–£250,000 over 3–30 years), first and second charge mortgages, remortgages, and short-term bridging loans (£20,000–£300,000 over 12 months), including specialist underwriting for applicants with adverse or bad credit, self-employed applicants, and accidental landlords.
Is Central Trust a public or private company?
Central Trust is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Central Trust founded?
Central Trust was founded in 1988. It employs 11 to 50 people.
Where is Central Trust based?
Central Trust is headquartered in Watford, United Kingdom, in the Europe region.
How does Central Trust make money?
Three revenue lines are on record. Secured Loan Interest is the primary driver. The others are bridging Loan Interest and first Charge Mortgage Interest.
Does Central Trust have an API?
No public API is recorded for Central Trust.
What industry is Central Trust in?
Central Trust's product category is Specialist Secured Lending. Its primary akta.pro industry code is FSAAAHAG, Private Credit / Direct Lending. Its SIC code is 6159.