Smart Borrowing: Consolidating Debt & Funding Home Improvements

At Central Trust, we understand that financial security is just as important as home improvements.

In this recent case, a client approached us for a home improvement loan—but after reviewing their credit, we found an opportunity to do even more.

By consolidating their high-balance credit cards into the first charge secured loan, we helped them:

  • Secure a £46,279 loan over 50 months at 8.14% interest
  • Keep their LTV low at 26.45%
  • Eliminate high-interest credit card debt
  • Ensure they are debt-free by retirement

With a seamless process, the loan was paid out in 9 days:

– Sold on 19th February
– Documents returned by 24th February
– Submitted on 24th February
– Paid out on 28th February

This case highlights how we tailor financial solutions to support long-term security and home improvement goals.

If you have clients in a similar situation, we’re here to help.