Central Trust launches new regulated bridging product

Central Trust has launched a new regulated bridging product, designed to provide homeowners across England and Wales with a fast and flexible short-term funding solution.

The product is available up to 75% LTV on first charges and 70% LTV on second charges, with loans starting from £20,000 and secured against the borrower’s primary residence (minimum property value £75,000). 

With a maximum term of 12 months, the product is tailored for short-term needs such as home improvements and light internal refurbishments.

Central Trust offers a flexible underwriting approach, with credit assessments focused on the last 12 months and allowing up to two adverse credit events.

The lender's new bridging product follows the recent launch of a new Premier product range, featuring second charge rates from 6.69% pa.

Chief executive at Central Trust, Debbie Burton, said: “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.”