Compare Central Trust Secured Loans - FCA-Approved Lenders

Check eligibility for Central Trust secured loans in minutes — with no impact on your credit score.

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Secure & Private

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  • Secured loan amounts from £10,000 to £1,000,000
  • Flexible repayment terms available
  • Decisions in minutes, subject to checks
  • FCA regulated lenders & brokers
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Authorised & Regulated by the Financial Conduct Authority (FCA).

Who are Central Trust?

Central Trust is a UK lender that works in secured loans. The company has been in this business for more than 30 years. Central Trust has its office in Norwich. It is known for mixing old lending values with new ways to check loans. The company cares about transparency and customer service. Because of this, Central Trust has become a well-established name for secured loans in the UK.

Central Trust is a direct lender that is authorised and regulated by the Financial Conduct Authority. This lender offers a range of secured loans for homeowners. You can also get debt consolidation loans and second charge mortgages from central trust. Their options may help people who want to secure money or manage their debts.

What types of loans do Central Trust offer?

Central Trust has many different personal loans. They made these loans for many kinds of borrowing needs.

  • Secured homeowner loans (second charge mortgages)
    • You can borrow from £10,000 up to £250,000
    • Repayment terms can be between 3 and 30 years
    • These loans are secured against a home or a buy-to-let property
  • Debt consolidation loans
    • These are made to put several credit cards, personal loans, or overdrafts into one single monthly payment
    • They help make the monthly payment lower by spreading out the total amount over a longer period
  • Unsecured and guarantor loans (selected products)
    • These offer smaller loan amounts
    • This is good if you have less equity or lower credit, but you can have a guarantor

Central Trust Loan Eligibility

To get a Central Trust secured loan, the borrower will often need to fit these rules:

  • You must be 21 years old or older.
  • You need to live in England, Scotland, or Wales.
  • You have to be a homeowner and have enough equity in your home.
  • You should already have a first charge mortgage loan set up.
  • You must meet a minimum yearly income. The amount can change, depending on the product.
  • You need to show proof of your income and your current address.
  • A good credit history is helpful. But Central Trust will look at people with bad credit too, as long as they have home equity.

All loan enquiries are looked at based on personal circumstances. Central Trust has a team of qualified professionals who check if you can afford the loan.

Central Trust Loan Eligibility

Key Features of Central Trust Loans

  • You can borrow £10,000 to £250,000.
  • You have repayment terms from 3 to 30 years.
  • You can pick a fixed or variable rate of interest.
  • This works well for debt consolidation, home improvements, car loans, or that dream holiday you want.
  • Everything is clear, with no hidden fees.
  • There is a strong focus on a personal touch and great customer service.
  • People who have had some trouble with credit before will find the way they do things is flexible.

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How does Central Trust compare to other secured loan providers in terms of interest rates?

Central Trust gives you good APR choices when you look at other secured loan providers. Their secured loan options are often strong, so you can feel sure about getting a secured loan with them.

  • Rates are usually lower than many credit cards and unsecured loans because the borrowing be secured by your property.
  • The rate of interest depends on your equity, your income, and your credit history.
  • Central Trust has both fixed-rate loans, which help you with your budgeting, and variable-rate loans, which can change over time when market rates go up or down.
  • Unlike some other lenders, Central Trust be known for being open. There are no hidden fees.

Borrowers who have a good credit history may get better rates. If you combine your debts and pay over a longer time, make sure you know the total amount you will have to pay back before you apply.

What do customer reviews say about Central Trust secured loans?

Customer reviews for Central Trust talk about its personal touch and how the staff be helpful and know what they are doing. A lot of people say the team of qualified professionals treat everyone well and make every step clear. Many say they feel guided through the process in a way that is easy to understand. The reputation of Central Trust for good service is known by those who use it.

What do customer reviews say about Central Trust secured loans

Positive feedback often praises:

  • The process is clear with no hidden fees.
  • You get helpful support through every step of the loan application.
  • They are open to people who do not have perfect credit.

Some people say it can take a while to finish, often about 2–4 weeks. This happens more when the team needs to do a valuation. But most customers feel good about the mix of traditional lending values and modern service.

Pros and Cons of Central Trust Loans

Pros Cons
Wide loan range: £10,000–£250,000 Property is at risk if repayments missed
Flexible repayment terms up to 30 years May require a property valuation
Competitive APR compared to credit cards Loan approval may take several weeks
Strong reputation in secured lending Lender charges arrangement fees
Transparent process, no hidden fees Longer loan terms may increase total interest

What documents do I need to provide for a Central Trust secured loan application?

When you fill out a Step One Finance loan application, you have to give some documents. These papers help to show your identity, income, and property details. Most of the time, Central Trust asks for these documents.

  • Proof of identity: You can use a passport or your driving licence.
  • Proof of current address: A utility bill, council tax bill, or bank statement is needed.
  • Proof of income: Pay slips, a P60, or self-employed accounts/SA302s will work.
  • Mortgage statement: This should show the amount still left on your mortgage loan.
  • Bank statements: You need bank statements for at least 3 months.
  • Additional information: Some will ask for proof of buildings insurance or tenancy agreements if it is for buy-to-let.

Having these documents with you when you start your loan enquiry can help make the process faster.

How to Compare Central Trust Loans

When you think about Central Trust secured loans, you need to see how they match up to other companies. This is the best way to get the right mix of loan amount, repayment terms, and overall APR. Comparing these things helps you pick what works best for you.

When you compare secured loans, focus on:

  • Loan terms – how long you have to pay back the money and what that means for the full cost.
  • Rate of interest (APR) – look at if you get a fixed or changing rate and watch for the times it can go up or down.
  • Fees and charges – see if there are costs for house checks or when you sign up, and try not to go with a lender who has hidden fees.
  • Eligibility – every lender has its own rules. These rules mostly focus on the money you owe, what you earn, and your credit history.

Central Trust is known for its good old way of lending and is open to people who may not have the best credit. But by looking at what a wider panel of lenders has to offer, you can see all your choices before you say yes to one. This helps you get the option that is best for you.

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Why use Free Price Compare to compare Central Trust loans?

Free Price Compare works with many lenders who are approved by the FCA, like Central Trust. If you start your loan enquiry with us, you can:

  • Get access to a specialist consumer finance platform where you can see many lenders all in one place.
  • Check if you are eligible with a soft search. This will not harm your credit score.
  • Easily compare products in a clear way, with no hidden fees or confusing terms.
  • A team of qualified professionals will help guide you and find what matches your personal circumstances.
  • You can trust us. We have a strong reputation, rated 4.8 out of 5 on Reviews.io.

We are a credit broker, not a lender. This means we help you look at and compare secured loans from Central Trust and other choices. The goal is to give you the best information, so you can make a good choice for yourself.

Alternatives to Central Trust Loans

  • Remortgaging – this can give you a lower APR, but you might have to pay a fee if you pay off your current mortgage early.
  • Unsecured personal loan products – you can borrow smaller sums, your property is not at risk, but the interest rates are usually higher.
  • Guarantor loans – you can get this type if someone you know, like a friend or family member, is willing to back your application.
  • Car loans or targeted credit – these are handy if you want to buy something specfic, but they are usually not as flexible as a secured loan.

Always check secured loans with different lenders to get one that fits your personal circumstances.

Alternatives to Central Trust Loans

FAQs About Central Trust Loans

Yes. Central Trust is an FCA-authorised and regulated lender. This means it has to follow strict rules to help protect people who borrow money. It is also part of the Finance and Leasing Association. So, central trust must work by fair and open rules set by the industry. If you want to check, you can look up its licence on the FCA’s website. This is a good thing to do before you get a secured loan from any lender.

Central Trust usually gives loans between £10,000 and £250,000. The amount you get will depend on your home equity, your income, and some checks to see what you can afford. How much you can borrow will change based on your own situation. This includes what you own in your home and how much you still owe on your current mortgage. If you have good credit and your income is steady, Central Trust may let you borrow a larger amount.

Central Trust loans give you a lot of options and can be used for many things. A lot of people use Central Trust loans for debt consolidation. This means they can bring together several credit cards or personal loans into one payment that is easy to handle.

Some people use these loans for home improvements, like an extension or making changes to their house. Others choose Central Trust loans for big buys. For example, you can use it to get a car loan.

There are also times when people use a secured loan to pay for major life events. These might include a wedding, paying for education, or going on a dream holiday. Of course, you need to pass affordability checks first.

The main risk is that your house is used as a security for the loan. If you do not keep up with the repayments, they may take your home to pay back the total amount you still owe. Also, if you take the loan over a longer time, the total amount you have to pay back can be higher, even if you make smaller monthly payments. You should always think about your personal circumstances and ask if the loan terms and the rate of interest are a good fit for you.

The application process at Central Trust will usually take about 2 to 4 weeks, but the time can be different for each case. If you have a simple application with clear paperwork, it may go faster. Cases that need a property check or more details might be slower. The team of professionals at Central Trust will help you at every step, from the first enquiry to when it is all done. They will also tell you if they need any other information from you so things keep moving without problems.

Important Notice: Please think carefully before you secure any other debts to your home. If you do not keep up with your secured repayments on your mortgage or any other debt, your home could be taken from you.

Free Price Compare is authorised and regulated by the Financial Conduct Authority. We are a credit broker, not a lender.

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Page last updated on: 01/09/2025

Page reviewed by: Andrea Troy

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