Central Trust has entered the regulated bridging space with a new short-term product aimed at homeowners in England and Wales as it pushes into cases that sit between mainstream remortgage and specialist second charge solutions.
The lender is offering up to 75% LTV on first charges and 70% LTV on second charges, with loans available from £20,000 on owner-occupied properties valued at a minimum of £75,000.
The maximum term is 12 months, with the product positioned for home improvements and light internal refurbishments.
WIDENING ACCESS
While regulated bridging has traditionally been a more cautious segment of the market,
Central Trust said its underwriting model is designed to widen access without straying into higher-risk territory.
Credit assessments focus on the most recent 12 months and up to two adverse credit events may be considered, reflecting what the lender describes as a pragmatic approach to borrowers who have experienced recent blips but retain a viable exit.
Operational speed is a core part of the proposition. The lender’s digital-first process provides immediate decisions in principle, with AVMs available up to 75% LTV.
Internal legal support is offered on all second charges and non-purchase cases under £100,000, and completions can in some instances be achieved within 24 hours.
The move places Central Trust into a competitive but growing regulated bridging segment, where brokers are increasingly seeking faster, structured solutions for clients unwilling or unable to wait for longer-term refinance routes.
COMMON-SENSE SOLUTION
Debbie Burton, chief executive at Central Trust, says: “We are very pleased to bring these new products to the market. This new offering provides a streamlined, common-sense bridging solution for brokers and their clients, combining speed, flexibility and competitive leverage in today’s evolving lending market.
“Speed and efficiency are central to the proposition. Central Trust’s 2026 digital-first process means we can provide an immediate “yes” decision coupled with rapid completions.
“Brokers can access instant indicative quotes via our online portal, with AVMs available up to 75% LTV and internal legal support provided on all second charges and non-purchase cases under £100,000. In many cases, completions can be achieved within 24 hours.”
