Lender Profile
Central Trust Limited Secured Loans
Long-established UK second charge lender with the widest LTV range on the panel — from prime clean at 75% LTV through to 90% LTV via Plan 5.
Starting rate
9.01% APR
Initial fixed period
Up to 60 months
Max LTV
90%
Loan range
£10,000 (Plan 2/5) / £20,000 (Plan 1)–£250,000 (Plan 1) / £150,000 (Plan 2) / £50,000 (Plan 5)
About Central Trust Limited
Central Trust is one of the longest-standing names in the UK secured loan market, distinguished by their numbered Plan 1 through Plan 5 product architecture. That architecture is genuinely useful: each Plan is calibrated to a specific credit and LTV combination, letting brokers and borrowers see exactly where their case fits before submission rather than negotiating unclear tier boundaries.
The headline product, Plan 1, is competitively priced for clean-credit borrowers below 75% combined LTV with a flat £999 arrangement fee. Plan 5 extends LTV to 90% — one of the highest LTV bands available on the UK secured loan panel and the highest for clean credit specifically — though only for clean credit and at a proportionally higher rate reflecting the higher-LTV risk.
Central Trust's Plan 2 covers minor-adverse credit up to 80% combined LTV, with a tiered fee structure (£499-£999) that helps compress total cost on smaller loans. This gives Central Trust genuine breadth: clean prime at 75% LTV, high-LTV clean at 90%, and minor adverse at 80% all under one lender.
Underwriting is human-reviewed with established process. Most Central Trust cases complete in the typical 2-4 week UK second charge cycle. Their maximum loan term of 25 years is shorter than the 30-year cap most competitors offer, which affects monthly payment calculations for very long-term borrowing.
Product range: Plan 1 (clean credit, ≤75% LTV, flat £999 fee, up to £250,000). Plan 2 (minor adverse, ≤80% LTV, tiered fee, up to £150,000). Plan 5 (clean credit, ≤90% LTV, tiered fee, up to £50,000). Widest LTV range on our panel via Plan 5's 90% cap.
Best for
- Clean-credit borrowers needing high combined LTV — the panel's only 90% LTV product (Plan 5)
- Minor-adverse cases with smaller loans where Plan 2's tiered fee (£499-£999) helps total cost
- Standard clean prime cases below 75% LTV wanting the certainty of a flat £999 fee
- Borrowers who value clarity — the numbered Plan structure removes ambiguity about which tier applies
- Larger clean credit cases up to £250,000 via Plan 1
- Borrowers preferring 2-year fixes over longer commitments
- Established broker relationships wanting predictable underwriting process
Key facts
- Min Loan
- £10,000 (Plan 2/5) / £20,000 (Plan 1)
- Max Loan
- £250,000 (Plan 1) / £150,000 (Plan 2) / £50,000 (Plan 5)
- Max Term
- 25 years
- Max Ltv
- 90% combined (Plan 5 only)
- Fee
- £499–£999 tiered (Plan 2) / £999 flat (Plan 1) / £499–£999 tiered (Plan 5)
- Credit Tier
- Clean (Plans 1 and 5) and minor adverse (Plan 2)
- Rate Structure
- 2-year and 5-year fixed, then variable revert
- Completion
- Typically 2–4 weeks
- Property Eligibility
- Standard UK residential property. Combined LTV capped at 75% (Plan 1), 80% (Plan 2), or 90% (Plan 5). Plan 5 is the only product offering 90% LTV in the UK secured loan market.
Pros
- +Highest LTV clean-credit product on the panel (Plan 5 to 90%)
- +Flat £999 fee on Plan 1 — competitive at higher loan sizes vs percentage-based fees
- +Long UK market tenure — established broker relationships, predictable underwriting
- +Broad product range covers clean credit (Plan 1, 5) and minor adverse (Plan 2)
- +Numbered Plan structure gives clarity on tier fit before submission
- +Tiered fee on Plan 2 and Plan 5 (£499-£999) suits smaller loans
- +Both 2-year and 5-year fixed products available
Cons
- −Maximum loan £250,000 (Plan 1) — caps below specialist large-loan lenders
- −Plan 5 (90% LTV) capped at £50,000 — smaller than most other Central Trust products
- −Plan 5 rate priced at the higher end of the market — reflects high-LTV exposure
- −Doesn't accept moderate or heavy adverse credit — no products for recent CCJs or defaults
- −Maximum term 25 years — shorter than 30-year cap most competitors offer
Central Trust Limited FAQs
What rates does Central Trust offer on secured loans?
Central Trust Plan 1 (clean credit, ≤75% LTV) prices from 9.10% APR on a 5-year fix and 9.01% on a 2-year fix. Plan 2 (minor adverse, ≤80% LTV) starts at 9.17%. Plan 5 (clean credit, ≤90% LTV) prices from 9.96% on a 2-year fix — the higher rate reflects the higher LTV exposure. The maximum combined LTV across the range is 90% via Plan 5.
What is a representative example for a Central Trust secured loan?
Representative example for a £30,000 Plan 1 secured loan over 120 months at 9.10% APR fixed for 5 years (10.11% variable thereafter): monthly repayment £381.18, total loan repayments £45,741.60, Central Trust arrangement fee £999, Charles Frank Finance broker fee £2,495. Total amount payable £49,235.60. Total charge for credit (interest plus fees) £19,235.60. Representative APRC 10.5%. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
What property eligibility does Central Trust require?
Standard UK residential property in the applicant's name with a current first charge mortgage. Combined LTV capped at 75% on Plan 1, 80% on Plan 2, or 90% on Plan 5. Plan 5 is one of the very few UK secured loan products offering up to 90% combined LTV. A property valuation is required.
Which Central Trust plan should I apply for?
It depends on your credit profile and LTV. Plan 1 is the best rate for clean credit at low LTV. Plan 2 is for minor adverse up to 80% LTV. Plan 5 is for clean credit needing higher LTV up to 90%. Your broker will match your case to the right plan before applying.
Does Central Trust offer 90% combined LTV?
Yes, via Plan 5 — but only for clean credit and capped at £50,000. The high LTV is reflected in the rate, which sits towards the top of Central Trust's range at 9.96% APR on a 2-year fix. Plan 5 is the panel's highest LTV clean-credit product; for higher-LTV cases with adverse credit, Evolution Money's 95% cap sits above (at variable rate).
What's the maximum loan term at Central Trust?
25 years across all Central Trust products. This is shorter than the 30-year cap that Selina, Pepper, Norton, Evolution, and Masthaven offer. For borrowers wanting a longer term (typically to minimise monthly payment on larger loans), placement with a 30-year lender may work out better. Your adviser will run comparative monthly payment calculations before recommending.
How does Central Trust compare to Masthaven for secured loans?
Both are established UK specialists covering clean credit and minor adverse. Masthaven's Optimal Zero 5-year fix at 7.61% APR beats Central Trust's Plan 1 at 9.10% for standard clean prime at low-to-mid LTV. Central Trust wins uniquely on high-LTV clean credit — Plan 5's 90% cap is the highest on the panel, whereas Masthaven's HLTV variant caps at 85%. For high-LTV clean prime cases, Central Trust. For standard clean prime at competitive rate, Masthaven. Both are similarly positioned on minor adverse.
Apply for a Central Trust secured loan
We'll match your case against Central Trust's criteria first — and the rest of our panel — to find the cheapest fit.