Traditional financial service providers are often burdened with costly overheads including expensive branch networks, inflexible technology and huge armies of people. At Castle Trust we keep our overheads to a minimum and we use investment proceeds to fund our flexible lending solutions.

Our investment products are typically fixed rate bonds with terms of between one and three years. We aim to pay higher rates than the best deals offered by deposit takers (such as the banks and building societies) so our customers can feel confident that our pricing will be consistently competitive. All our customers are treated equally - irrespective of the size of their investment with us.

In a complex world, we strive for openness and clarity. We place the highest importance on treating our customers fairly not just because it's the right thing to do but because we know that the trust of our customers is crucial to our future success.


We recognise that for many mortgage customers, traditional solutions don't cut the mustard. These customers can often have high quality assets but unconventional income and so find it difficult to borrow at reasonable rates and on sensible terms.

What experienced buy to let investors, high net worth* individuals and business owners need is lending with imagination. They need a lender that recognises cash flow and net worth are not the same thing. They need a lender that is flexible in how interest is serviced and that has the risk appetite to go where other lenders won't venture. Castle Trust is that lender.

* Subject to compliance with regulatory requirements. Please note that an APRC is generated as part of the application process.

Skilled and experienced team

Castle Trust was established by an experienced team of senior executives from a broad range of backgrounds, who all recognised the enormous potential for new ideas in the mortgage and investment market. We take the best of our combined experience in product design, finance, technology and operations to deliver exceptional value to our customers.

Executive management team

Martin Bischoff
Chief Executive Officer

Martin joined Castle Trust in May 2018, having held director roles at Santander from 2012 to 2017, most recently as Managing Director Retail Distribution from 2013 to 2017.  Prior to that, he held director roles within Royal Bank of Scotland Group both in the UK and USA. He has particular experience of leading transformational change programmes across all channels.  He is a Fellow of the Chartered Institute of Bankers of Scotland.

Paul Lloyd-Jones
Chief Financial Officer

Paul joined Castle Trust in May 2018, having held roles within Barclays Bank over the last ten years, most recently as Managing Director, Business Planning and Analytics for Barclays Group, and prior to that as Finance Director, Barclays Investment Bank – Markets. Prior to this, Paul was a senior finance manager at Santander, having trained at Deloitte.

Stuart Sykes
Operations Director

Stuart has an extensive 20-year career history in banking and credit operations. Most recently he was Group Customer Operations Director at MYJAR from 2013 to 2017, during which time he founded and served as a director of online collections agency Secure Recoveries Limited. Previously, he held the role of Director - Operations EMEA at Auriemma, undertaking global consumer credit and operations consultancy work, and was Head of Collections and Financial Difficulties at ICICI Bank from 2007 to 2011. He was elected to the Board of the Credit Service Association in February 2017.

Andrew Macdonald
General Counsel

Andrew joined Castle Trust in January 2015, having previously held the role of Head of Legal at Europe Arab Bank where he was responsible for the Legal Operations of the Arab Bank group throughout Europe.  Prior to this, he had worked in private practice at the law firms Slaughter and May and Sidley Austin where he had advised clients worldwide on a wide variety of banking and financial services matters.  Andrew is a Solicitor with a Jurisprudence degree from Oxford University.

Barry Searle
Managing Director, Mortgages

Barry was Operations Director at Private Label Mortgage Services, the UK’s largest independent mortgage packager when bought by GMAC RFC in 2000. He became Marketing Director, then Chief Operating Officer in 2003. From start-up in 2000, GMAC RFC was the tenth largest UK mortgage lender in 2006. Barry was a Founding Director of Portillion, a start-up mortgage and savings bank, which closed in 2012, then Chief Operating Officer of Legal & General’s Mortgage division until December 2013.

Jon Higgs
Chief Risk Officer

Jon joined Castle Trust in May 2016, having previously worked at the Bank of England where he performed a range of deposit-taker supervisory roles before leading the Bank of England’s project to implement the European legislation, CRD IV in the UK.  His previous roles have been in credit risk at the FSA and Barclays Bank. Jon holds the Professional Risk Manager qualification and has a Masters in Financial Risk Management from the ICMA centre at Henley Business School. 

Abbas Jeraj
HR Director

Abbas joined Castle Trust in January 2018, having previously worked for Dixons Carphone as the Head of HR, responsible for a subset of their corporate operations across the UK and Europe. In a career working across technology, finance, retail and consulting organisations, Abbas has delivered a series of major people projects at board and executive level. He graduated with a degree in Computer Science and Management from Loughborough University. 

Jamie Gannaway
Chief Technology Officer

Jamie joined Castle Trust in July 2018 having previously worked for HSBC Technology, NHS Improvement, Nuffield Health, Virgin Money, Barclays, Lloyds Banking Group and the FCA in a variety of senior technology positions. His focus over the past few years has been centred around managing the delivery of large scale, complex technology and people initiatives in a variety of environments. Jamie holds a Bachelor of Commerce from Curtin University and a Masters from the University of London.

Caroline Baker
Head of Compliance

Caroline joined Castle Trust in November 2016, having spent 15 years working within the regulated financial services environment, primarily across retail activities.  Prior to joining Castle Trust, Caroline was a Senior Compliance Manager within Barclays UK’s Global Compliance team, specialising in Compliance Monitoring across retail, corporate and business banking divisions and a secondment within the Barclays UK Private Bank Compliance Advisory team.  Caroline’s career has included roles in operations, customer relations and complaints, including three years working as an Adjudicator at the Financial Ombudsman Service.  Caroline holds a Professional Postgraduate Diploma in Governance, Risk and Compliance, a Bachelor of Laws (Hons) from Open University and is a Fellow of the International Compliance Association.

Ronnie Denholm
Managing Director, Omni

Ronnie joined Castle Trust in March 2019. He is an experienced financial services executive having led organisations across the UK, Europe, Asia and the United States.  Most recently, as a Managing Director at Barclays, Ronnie led the Digital Marketplace, Digital Consumer Payments and Secured Lending businesses as well as Barclays Partner Finance, one of the UK’s leading point of sale finance businesses.  Ronnie is a qualified Chartered Accountant and a graduate of the University of Edinburgh.

The journey so far

Based in the heart of the City of London, Castle Trust was launched in October 2012 with backing from leading US private equity firm J.C. Flowers & Co.

Castle Trust is authorised and regulated by the Financial Conduct Authority.

The development of our business is supervised by a prestigious team of Board Directors, chaired by Andrew Doman.

See full details of our Board Directors

Our Financial Statements are published regularly on our website. A summary of Castle Trust’s Financial Strength is available here.

    Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Your home may be repossessed if you do not keep up repayments on your mortgage. Loans are subject to status, terms and conditions. This website is for information purposes only. If you are in any doubt regarding suitability of our products please seek advice from an accredited independent mortgage adviser.

    You risk losing capital should Castle Trust become insolvent.

    Castle Trust is the trading name of both Castle Trust Capital plc (company number 07454474) and Castle Trust Capital Management Limited (company number 07504954). Castle Trust is authorised and regulated by the Financial Conduct Authority, under reference numbers 541910 and 541893. Registered office: 10 Norwich Street, London, EC4A 1BD. Registered in England and Wales.

    © 2019 Castle Trust. All rights reserved.

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