Mortgages

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

Please click here for information for existing mortgage customers.

Downloads

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

General

Policies

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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