Central Trust

Central Trust are a Hertfordshire-based lender specialising in secured homeowner loans starting from £3,000 up to £250,000. They are part of the Norfolk Capital Group of companies that have been providing secured loans since 1988. The company is a member of the Finance and Leasing Association (FLA) which is the main representative organisation for consumer credit in the UK and the largest of its type in Europe. Customers can repay over 3 to 30 years, choose fixed repayment amounts to make, make an unlimited number of overpayments and have the option to repay early too.


Minimum Age
Loan Value Available
£3,000 to £250,000
Loan Length
3 to 30 Years
Typical Time to Fund
3 to 4 weeks
Interest Rates
12.9% APRC Representative
Credit Check
Other Information
Overpayments and early repayments available
FCA License Number
  • Direct Lender
  • FCA Authorised
  • Secured Loan

Get a Quote

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Octagon Capital

3-4 Holborn Circus,
Holborn, London

Opening Hours

Monday to Friday
9:00 am to 18:00 pm

e: sales@octagoncapital.co.uk

Call us today 0333 414 1491

When Would You Use A Loan From Central Trust?

Central Trust focus on homeowner loans, meaning that you must have ownership of the property and be willing to use it as security to be eligible. The smaller amounts of £3,000 and £50,000 can be used for purchasing a new car, a wedding or ideally refurbishing your home, kitchen or bathroom. It is unlikely that you are going to risk your entire home for the sake of £3,000 unless it were an emergency or perhaps you have a less than perfect credit history.

A more common reason for a loan from Central Trust is to help move from one home to another. This is a common use for a bridging loan whereby you cannot sell your existing home but want to use the funds from the one to purchase another, better home. Using a homeowner loan from Central Trust, you are able to borrow up to £250,000 to put towards your new home and once your have repaid your previous property, you can pay off your loan. Simple.

Terms of The Loan 

Below is a representative repayment example from their website. This shows that there is a fixed rate of repayment and also an initial introductory fee which is considered an ‘administration fee.’ This fee is usually required to pay for the valuation of your property and manage any potential solicitor fees and paperwork that is involved. The typical administration fees are around 1%.

Since it is not technically a bridging product, the fees are calculated closer to a secured loan with a representative APRC of 12.9%. The APRC (Annual Percentage Rate of Charge) is the total cost to the customer provided that they keep their mortgage product and same provider for the entire loan term and the rate remains fixed (which it does in this case). ,

In terms of repayments, it is possible to fix these for as many years as you would like, whether it is for 3,5,7 or 10 years. This means that the interest rate charged will remain the same and not move, unlike a variable interest rate.

You also have the option to make overpayments which means that you pay more each month than required and this can also be in the form of a one-off lump sum if you want to clear your debts. This will mean paying less overall because your loan is open for less time and being able to close your account sooner than expected. You can also repay early at any point. You are given a settlement figure which lasts for 28 days before a new quote will be offered – plus there may be an early repayment charge if you wish to repay before a certain date.

How To Apply With Central Trust

To get a quote from Central Trust, you can send us an email or complete the quote form above. This will send your enquiry to our financial partners at Brightstar Financial. They have decades of experience in the homeowner and bridging industry and they will be able to prepare your loan application for Central Trust or if you are not eligible, recommend a similar and affordable product. We are passionate about helping you find the most effective finance whether you are looking to move home, renovate an existing property or build-up a new plot of land.

Central Trust explain that you can apply with them by doing the following:

  • Completing a simple form
  • Provide your requirements and why you are applying for finance
  • Complete the loan paperwork and support any necessary documents.
  • If successful, funds can be transferred within 2 to 3 weeks of applying.

To provide the most accurate quote possible, additional information including credit checks, property valuations and proof of income may be requested.

Central Trust Company Information

Address: Cassiobury House, 11-19 Station Road, Watford, Hertfordshire, WD17 1AP

Countries they operate: England, Scotland and Wales.

Member of: Finance & Leasing Association

Company no: 07020381

FCA authorisation number: 739724

Octagon Capital is the trading name of Tudor Lodge Digital Ltd which is an appointed representative of Cobain Digital Ltd and is entered on the Financial Services Register under reference number: 770276. Cobain Digital Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 713027.

Octagon Capital does not provide advice on regulated mortgage contracts or credit agreements, these are carried out by one of our independent FCA regulated associates. Octagon Capital acts as a Credit Broker with access to whole of market and does not act as a Lender.


Contact Us

Octagon Capital
3-4 Holborn Circus, Holborn
London EC1N 2HA

Opening Hours
Monday to Friday
9:00 am to 18:00 pm

E: sales@octagoncapital.co.uk
T: 0333 414 1491

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