Central Trust Second Charge Mortgage

Central Trust offers secured loans for homeowners, ranging from £10,000 to £250,000, with terms from 3 to 30 years and an APR of 9.69% to 13.1%.

Last checked on September 19, 2026. We may earn a commission when you click through.

✓ Quick loan approval process ✓ Wide range of borrowing amounts ✓ Flexible income requirements

Mortgage Central Trust Reviewed

Central Trust Second Charge Mortgage

Updated 26 days ago

APR Range

9.69–13.1%

Amount

£10k–£250k

Term

36–360 months

Type

secured_homeowner_loan

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Our Verdict

Central Trust's second charge mortgage is appealing for those needing a substantial sum quickly, with approvals possible in just three days. However, the higher APR range may deter borrowers with tighter budgets.

Best For

Homeowners with various income sources who need significant funds for home improvements or debt consolidation.

Watch Out

The APR can go as high as 13.1%, which may lead to high repayments over time, especially for larger loans.

Pros

Quick loan approval process
Wide range of borrowing amounts
Flexible income requirements
No broker fees
All credit histories considered

Cons

High APR range
Potential for hidden fees
Secured against your home
Longer terms may lead to higher overall costs
Limited to UK homeowners

Full Review

With borrowing amounts between £10,000 and £250,000, Central Trust is well-positioned for homeowners seeking substantial funds. The approval process is notably quick, with a potential turnaround in just three days. This speed can be crucial for those facing urgent financial needs.

However, the APR range of 9.69% to 13.1% may pose challenges for many borrowers, particularly those with tighter budgets. The higher-end rates could lead to significant repayment amounts over time, which is a critical factor to consider. The company considers a variety of income sources, including self-employed earnings and benefits, making their offerings accessible to a broader audience.

Yet, be mindful of their credit history, as while all histories are considered, those with lower scores might still face higher interest rates. Customer service feedback indicates a generally positive experience, but as always, it's prudent to read the fine print. Hidden fees and charges can sometimes catch borrowers off guard.

For detailed information, the official site Central Trust provides insights.