Our purpose

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 cashflow 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.

Our products are only available via authorised financial intermediaries, so please contact your adviser to ask about Castle Trust.

Our customers

Buy to Let

Landlords who want to realise greater value from their investment, refinance existing borrowing or raise capital. We can lend for any legal purpose, including:

  • Holiday lets
  • Multiple properties on a single title
  • Student lets – including purpose built
  • Portfolio loans
  • Property refurbishment

Business loans

Entrepreneurs who want to raise capital on their residential property to use for business purpose. Funds can be used for:

  • Purchasing a business
  • Investing in business growth
  • Purchasing premises
  • Buying into a partnership
  • Tax bills

High Net Worth

Applicants who meet the high net worth test* as defined by the Financial Conduct Authority (FCA) and are looking to release capital from their home. We can lend for any legal purpose, including:

  • Property investment
  • Building work
  • Bridging refinance
  • Gifted equity – Bank of Mum & Dad
  • Tax planning

*The FCA definition of high net worth is a customer with an annual net income of no less than £300,000 or net assets of no less than £3,000,000. Subject to compliance with regulatory requirements. Please note that an APRC is generated as part of the application process.

Existing customers

We no longer offer the Partnership Mortgage, Buy to Let Equity Loan or Index Profit Share Mortgage as part of our product range.

If you are an existing customer with one of these products, your rights are unaffected. However, please be aware that it will not be possible to apply for a further Partnership Mortgage, Buy to Let Equity Loan or Index Profit Share Mortgage in the future.

If you are an existing customer and would like to contact us, please call on (Freephone) 0800 652 0008.

Downloads

To download important procedures, policies and general information please click on the appropriate link below.

General

Policies

Mortgages
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.

Investments
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.

This website is for authorised intermediaries only. This information has not been approved for use with customers and is not intended for public or customer use. Please confirm that you are an intermediary before accessing information on this website.

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