At Central Trust, flexibility isn’t just a feature—it’s a promise.
We’re committed to helping brokers place more of those “hard-to-place” cases by offering criteria others can’t match. Here’s what sets us apart:
Flexible criteria:
Self-employed applicants who have a Ltd company – We take salary + applicant’s share of net profit for income calculations (often higher than the dividends they draw)
- Benefit-only applications
- Missed secured arrears: Up to 2 in the last 12 months (up to 80% LTV) or up to 4 (up to 70% LTV) if the last 6 payments were on time
- Up to 50% of non-court-ordered maintenance income included in affordability (if documented over the last 12 months)
- Clients with payday loans (past or current)
- Northern Ireland (up to 70% LTV) applications and Scottish Isles (up to 65% LTV)
Extra flexibility:
- Sole applications for married/cohabiting clients (if sole proprietor)
- Secured arrears not counted if partial payments are made
- Debt management plans accepted—with no requirement to be repaid with the loan
- IVAs accepted (refer if entered in the last 2 years) *conduct required and will need to be repaid with the loan
What else do we offer?
- Automated affordability assessments
- Automated valuation models
- Electronic Income Verification
- E-signed mortgage deeds in England and Wales
- Fast commission payments—paid next working day after completion!
What else do we offer?
- Automated affordability assessments
- Automated valuation models
- Electronic Income Verification
- E-signed mortgage deeds in England and Wales
- Fast commission payments—paid next working day after completion!
Loans start from £10,000 (plan-dependent), and we’re flexible on overpayments—with no caps or extra charges.