Central Trust has launched a new regulated bridging product aimed at homeowners in England and Wales offering short-term funding secured against a borrower’s primary residence.

The new range provides up to 75% loan-to-value (LTV) on first charges and 70% LTV on second charges, with loans available from £20,000 on properties valued at a minimum of £75,000.

The maximum term is 12 months and the lender said the product is designed to support home improvements and light internal refurbishments.

The underwriting approach focuses on the most recent 12 months of credit history and permits up to two adverse credit events, broadening accessibility for borrowers who may not meet mainstream criteria.

The lender said speed and operational efficiency sit at the heart of the proposition, with brokers able to access instant indicative quotes via its online portal. Automated valuation models (AVMs) are available up to 75% LTV, and internal legal support is provided on all second charges and non-purchase cases under £100,000. In some cases, completions can be achieved within 24 hours.

STREAMLINED SOLUTION

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.”