Lender Profile
Central Trust Limited Secured Loans
Long-established UK second charge lender with broad LTV range up to 90%.
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, with a tiered Plan 1–5 product range covering clean credit (Plan 1, Plan 5) through minor adverse (Plan 2) and beyond.
Their headline product, Plan 1, is competitively priced for clean-credit borrowers below 75% 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 market — though only for clean credit and at a higher rate.
Central Trust's Plan 2 covers minor-adverse credit up to 80% combined LTV, with a tiered fee structure that helps on smaller loans. Most Central Trust cases complete in 3–4 weeks.
Product range: Plan 1 (clean, ≤75% LTV) flat £999 fee. Plan 2 (minor adverse, ≤80% LTV) tiered fee. Plan 5 (clean, ≤90% LTV) for high-LTV clean-credit cases.
Best for
- Clean-credit borrowers needing 80–90% combined LTV
- Minor-adverse cases with smaller loans where the tiered fee helps
- Borrowers preferring 2-year fixes over longer commitments
- Cases where flat £999 fee structure beats percentage-based competitors
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 3–4 weeks
Pros
- +One of the highest LTV products in the UK market (Plan 5 to 90%)
- +Flat £999 fee on Plan 1 — competitive at higher loan sizes
- +Long market tenure — established processes and underwriting
- +Broad product range covers clean and minor adverse
Cons
- −Maximum loan £250,000 — caps below specialist large-loan lenders
- −Plan 5 (90% LTV) is rate-priced at the higher end of the market
- −Doesn't accept moderate or heavy adverse credit
Central Trust Limited FAQs
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.
What's the maximum loan term at Central Trust?
25 years across all Central Trust products. This is shorter than some competitors that offer up to 30 years.
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.