Your staff particularly Ines who I dealt with who was absolutely brilliant.professional,very pleasant and friendly manner.very non judgemental and easy to talk to.excellent in every way. Also found y... See more
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Review summary
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Reviews shaping this summary
From initial enquiry to release of funds 7 days. The team could not have made more sure I understood what I was undertaking and met my 2 specific needs in the product. Great service using the com... See more
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Hello everyone was very kind & very helpful. , explained everything very carefully, & was willing to go over things if I hadn’t remembered what they had said , & plenty of time to make decisions as it... See more
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Such a lovely bunch of people to deal with! They took so much time to ensure I understood everything and made all the financial aspects clear to me. At no point did I feel pressured or under any obl... See more
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Company details
- #10 of 24 best companies in Mortgage Lender
- #39 of 117 best companies in Financial Institution
Written by the company
With over 35 years of experience, Central Trust is a trusted name in the UK financial services industry, specialising in Homeowner Loans and Second Charge Mortgages. Established in 1988, we have helped thousands of customers across England, Wales, and Scotland find tailored financial solutions to suit their personal circumstances. As a direct lender, we offer a transparent and straightforward service — there are no hidden fees or broker charges. What sets us apart is our commitment to providing a friendly, advice-based approach. Our team of experienced loan advisers take the time to understand your needs before recommending a suitable product, ensuring you feel informed and confident every step of the way. Whether you're looking to consolidate existing debt, fund home improvements, or manage a major purchase, Central Trust offers flexible loan options designed to fit your budget and goals. We work with customers from a wide range of credit backgrounds, and we pride ourselves on making decisions based on individual circumstances — not just credit scores. With a long-standing reputation for integrity, reliability, and customer care, Central Trust is here to help you unlock the value in your home with a second charge loan that works for you. Authorised and regulated by the Financial Conduct Authority, we uphold the highest standards of compliance and customer protection.
Contact info
Office 1, Building 2, Axis, Rhodes Way, WD17 1AP, Watford, United Kingdom
- 01923 280020
- contact@centraltrust.co.uk
- centraltrust.co.uk
4.8
Excellent
327 reviews
Replied to 100% of negative reviews
Typically replies within 1 month
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Superb service from a great team!
Superb service! Every single one of the team I dealt with were very helpful, professional and responded to my questions very promptly.
27 October 2023
Reply from Central Trust Limited
Thank you for taking the time to leave a review Nick. We really appreciate it.
The team works really hard to provide the best possible service, so it's great to read that our efforts are recognised.
I will pass your feedback onto the team, they will be delighted. Should you need anything in the future don't hesitate to contact us. We're always happy to help.
High level of professionalism and commitment to client satisfaction
I recently had the pleasure of working with Central Trust Ltd on a financial matter., and I cannot praise them enough for their exceptional service. Natasha and Stephanie stood out as consummate professionals who provided unwavering support throughout the application process.
From the moment I contacted Central Trust Ltd., their commitment to customer satisfaction was evident. Natasha and Stephanie's professionalism shone brightly as they guided me through the process. Their depth of knowledge and expertise were immediately evident, making me feel confident that I was in capable hands.
They carefully reviewed all aspects of my financial situation, leaving no stone unturned. They patiently explained the process in a clear and understandable manner, ensuring that I was informed every step of the way. Their dedication to transparency and clarity was truly commendable.
They were readily available to answer my questions and address any concerns I had. They provided regular updates, ensuring I never felt in the dark during the process. This level of personalized service made a world of difference, and I felt valued as a client.
Central Trust Ltd operates with the same high level of professionalism and commitment to client satisfaction. It is evident that they prioritize excellence in all they do, and I could not be happier with the results of their work. Thanks to their guidance, I was able to achieve a positive outcome.
In summary, I wholeheartedly recommend Central Trust Ltd.
Many thanks,
Emmanuel
26 October 2023
Reply from Central Trust Limited
Thank you for taking the time to share, in detail, your feedback on the service you received from Natasha and Stephanie. Your feedback means a lot to us.
As a specialist lender, delivering excellent customer service is the foundation of our business, so hearing that their work has been so impressive is brilliant.
This was lovely to read and I have passed on your kind words onto the team. They are truly grateful! Should you need anything in the future Emmanuel, don't hesitate to give us a call. We are always happy to help.
What can I say 5 stars very efficient …
What can I say 5 stars very efficient and we're excellent in contact easy to talk too any questions were there at the end of the phone nothing was an issue many thanks excellent
27 October 2023
Reply from Central Trust Limited
Thank you for taking the time to share your experience Sharon.
Delivering excellent customer service is the foundation of our business, so reading this was fantastic. I am so pleased to hear that you found it so easy to talk with us.
Should you need anything in the future do not hesitate to call a member of the team. We are always happy to help.
I will ensure that the team sees your feedback. They will be delighted.
Natasha Hunt and Tara were super…
Natasha Hunt and Tara were super efficient and Natasha who handled my application presented as well informed, patient, courteous and I would describe her as an accomplished professional.
I experienced the same courtesy and efficiency from Tara and the underwriting department.
23 October 2023
Reply from Central Trust Limited
Thank you for taking the time to share your feedback on the service you received from Natasha and Tara. Its lovely to read such kind words. We are so proud of the team we have here at Central Trust.
I'll make sure to pass on your kind comments to the team. Should you need anything in the future don't hesitate to give us a call. We are always happy to help.
Excellent communication and a very…
Excellent communication and a very prompt service.
20 October 2023
Reply from Central Trust Limited
Thank you for taking the time to leave a review Jo.
We want to make the process as easy and efficient as possible for our customers so its great to see our efforts are recognised. I will pass your comments onto the team here at Central Trust.
Very efficient process
29 September 2023
Reply from Central Trust Limited
Thank you for taking the time to leave a review, we really do appreciate it. I'm so glad you had such a positive experience with us.
Should you need anything in the future do not hesitate to call a member of the team.
Great service
Great service , kept up to date all the way through the process, everything was fully explained over the phone in simple understandable terms. No question I had was made to feel like it was a silly question.
24 August 2023
Reply from Central Trust Limited
Thanks for taking time to leave us a review Lynn. I'm so glad you had such a positive experience.
We want to make the process as easy and efficient as possible for our customers so its great to see our efforts are recognised.
I'll make sure to pass on your kind comments to the team. Should you need anything in the future don't hesitate to give us a call.
A professional company
From my first contact with Central trust it was apparent that I was dealing with a very professional company. They asked me all the questions and then informed me off all the options available to me so I could make the correct decision. The staff are very friendly and I would say they go over and above to help you. They keep you informed throughout your application process and have a quick payout once your application has been approved. I would recommend this company to anyone
8 August 2023
Reply from Central Trust Limited
Thank you for taking the time to share, in detail your feedback on the service you received from us.
Delivering excellent customer service is the foundation of our business, so reading this was brilliant. I am so pleased the loan paid out quickly, should you need anything in the future do not hesitate to call a member of the team. We are always happy to help.
I will ensure that the team sees your feedback. They will be delighted.
Gave me confidence in the standard of…
Gave me confidence in the standard of the company with how thorough they are, no stone was left unturned, however that sometimes became annoying with the level of detail they go into, which also for me made the process longer than anticipated, having said that would still recommend and staff very efficient and pleasant.
3 August 2023
Reply from Central Trust Limited
Thank you for leaving a review. I'm glad you have noticed our attention to detail as a positive.
As a lender we have a responsibility to ensure our mortgages are affordable for our customers and meet our policy and criteria which is why there are various pieces of documentation.
I'm so glad to hear you would recommend us. Should you need anything in the future please don't hesitate to contact a member of the team.
Reply from Central Trust Limited
Thank you for taking the time to leave a review, we really do appreciate it. I'm so glad you had such a positive experience with us.
Should you need anything in the future do not hesitate to call a member of the team.
The whole team made the process easy…
The whole team made the process easy from start to finish
Thank you to you all
31 July 2023
Reply from Central Trust Limited
Thank you for leaving a review Nicholas. We really appreciate your feedback.
I'm so glad you had such a positive experience with us. I will pass on your comments to the team.
Service was good but somewhat…
Service was good but somewhat protracted. Took much longer to complete than expected. Kept requesting more information at different stages rather than requesting all information at the beginning. Completed very quickly when all I formation was received. Very pleasant staff
18 July 2023
Reply from Central Trust Limited
Thank you for taking the time to leave a review Pamela.
We apologise for delay in processing your mortgage application. We understand that this may have been frustrating for you but sometimes when a broker is involved in introducing an application to the lender, the lender may request additional information, that the broker may not have considered necessary at the start of the application.
Our goal is to provide a smooth and efficient process and we thank you for your feedback which we will use to prevent similar situations in the future.
Should you need anything in the future, don't hesitate to call a member of the team.
Absolutely excellent!
Excellent customer service, empathetic, efficient and knowledgeable.
16 July 2023
Reply from Central Trust Limited
Thank you for leaving a review Kerry. We really appreciate your kind words.
I'm so glad that we could help you. I'll be sure to pass on the message to the team, they'll be delighted. If you need anything don't hesitate to get in touch.
Very helpful and made sure we…
Very helpful and made sure we understood everything lovely people on the phone
14 June 2023
Reply from Central Trust Limited
Thank you for leaving a review - we really appreciate your feedback.
I'm so glad you had such a positive experience with us. I will pass on your comments to the team.
2nd time I have used central trust
2nd time I have used central trust, excellent from start to finish as they were before
8 June 2023
Reply from Central Trust Limited
Thank you for taking the time to leave a review Sean. I'm delighted that we have been able to help you for the second time.
We want to make the process as easy and efficient as possible for our customers so its great to see our efforts are recognised. I will pass your comments onto the team here at Central Trust.
Reply from Central Trust Limited
Thank you for leaving us feedback David. We really appreciate it. I'm so glad you had such a positive experience with us. Should you need anything in the future don't hesitate to contact us.
Reply from Central Trust Limited
Thank you for leaving a review. Your feedback really mean a lot to us.
Our aim is to deliver a smooth and straightforward process for all of our customers, so I'm glad you had such a positive experience. I will pass on your kind words to the team.
Should you need anything in the future, you know where to find us.
Applied to Central trust for a second…
Applied to Central trust for a second charge mortgage.
From the very beginning the process was streamlined from the person taking the first call to the advisor and then through messaging. I was updated and kept abreast of developments in my case throughout the process. Richard went above and beyond to get us the very best deal possible, a special mention to Steph who kept us updated. The whole team has been phenomenal paying extra care to their clientele and making sure that the product offered was the best for the client. Would highly recommend Central trust.
13 March 2023
Unprompted review
Reply from Central Trust Limited
Thank you for taking time to leave us a review Ricardo. I'm so glad you had such a positive experience. It was lovely to read your feedback!
We want to make the process as straight forward and efficient as possible for our customers so its great to see our efforts are recognised.
I'll make sure to pass on your kind comments to Richard and Steph, they will be delighted.
Your feedback means a lot to us and its great to hear you would highly recommend us. Should you need anything in the future don't hesitate to give us a call.
Absolutely useless organisation
Absolutely useless and even strange organisation. I am the owner of a house worth over £400K without a mortgage and wanted to borrow only £35K for 3 years. But I was denied because my annual income is less than £22.5K. This is completely stupid reason for refusal, ignoring the fact that I am applying for a loan on the security of my house, the cost of which was ten times more than the amount I needed.
31 January 2023
Unprompted review
Reply from Central Trust Limited
Thank you for your feedback. I am sorry that you are disappointed that we cannot help.
As a lender we have a responsibility to ensure our mortgages are affordable for our customers and meet our policy and criteria.
We pride ourselves on being a responsible lender and unfortunately the outcome of applications is not always positive, but the decisions we make are there to protect our customers.
Thanks
Central Trust
Reply from Central Trust Limited
Thank you for the review. It's nice to read such positive feedback.
The team works really hard to provide the best possible service, so it's great to read that our efforts are recognised.
Should you need anything in the future you know where to find us.
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