Central Trust

• Adverse / impaired credit status accepted
• We disregard all adverse credit items older than 12 months
• We accept 100% of most major benefits for income calculation, and
• We accept benefits only applications
• We accept 100% of all 2nd or subsequent job incomes
• We lend whilst in employment probation and to new starters
• Lend upon most non-standard construction properties: Ex-local authority, High rise, Steel framed, timber framed, concrete system etc.
• No Minimum or Maximum income levels required
• A simple and friendly broker portal with integrated affordability model, EID check, AVM Check, EIV check supporting an accurate lending decision
• No ERCs on any plan including all fixed rate options – a basic £395.00 admin fee
• We are the UKs leading second charge mortgage lender in Northern Ireland
• We have the very best and most helpful support team waiting for your call

Second Charge Product Highlight 

• 3, 5 and 10 year fixed rates available
• No ERCs on any plan  

Key Product Features

• Minimum loan size £5,000
• Maximum Loan size £250,000
• Maximum Loan LTV % - 75%
• No Minimum Income
• England, Wales ,Scotland ( Including The Isles ), Northern Ireland
• Maximum Term 25 years
• Min age 18 years
• Max age 80 years at end of loan term 

What you can expect from Central Trust

• Direct access to a dedicated team of friendly and efficient case managers who will package and support you from initial enquiry to successful drawing of the loan
• Direct access to underwriters
• A simple and efficient loan application process

Support from a team of Office Based Business Development Executives and National support from a team of Field Based Business Development Managers 

Next Steps

Call our dedicated broker support team on Freephone 0800 980 6100 and we will support you from your initial enquiries, portal access and navigation and packaging, keeping you advised at every stage of the process

Support material links

• Portal access on https://www.centraltrust.co.uk
• Dedicated team : packagingteam@centraltrust.co.uk
• Direct access to underwriters : Direct Dial : 01923 280025 or referrals@centraltrust.co.uk