Castle Trust
Specialist LenderCastle Trust is a specialist property finance provider offering bridging, development, and buy-to-let lending. They serve experienced property investors and developers through intermediaries, combining flexible criteria with a practical underwriting approach that focuses on the viability of each deal.
About Castle Trust
Castle Trust is a specialist property finance provider offering bridging, development, and buy-to-let lending. The lender serves experienced property investors and developers through intermediaries. Castle Trust combines flexible criteria with a practical underwriting approach that focuses on the viability of each deal rather than rigid tick-box criteria.
Castle Trust has built expertise across the property finance spectrum. The lender considers each application on its merits and works with brokers to structure deals that meet the client's needs. Castle Trust is known for pragmatic decision-making and competitive terms.
Castle Trust is broker-only and works with property finance intermediaries across the UK. The lender is regulated by the FCA.
Lending Focus
Castle Trust offers mortgage products across 5 categories including Buy-to-Let, Bridging, Development and 2 more.
Key Features
- Bridging finance for residential and mixed-use properties
- Development loans with flexible drawdown schedules
- Specialist BTL products including HMO and MUFB
- Practical approach to complex property transactions
- Dedicated relationship management for brokers
Pros & Cons
Pros
- Broad product range — bridging, development, and specialist BTL including HMO
- Practical underwriting approach focused on deal viability
- High LTV of up to 80% available on bridging
- Strong development finance offering with flexible drawdowns
Cons
- –Broker-only — cannot apply directly
- –Does not accept adverse credit borrowers
- –Does not lend for holiday lets
Fees & Charges
- Arrangement Fee
- Typically 1.5–2% of the loan amount
- Valuation Fee
- Varies by property value — quoted at application stage
- Early Repayment Charge
- No ERC on most bridging products
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Castle Trust
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks from date of offer
Lending Criteria
- Maximum LTV
- 80%
Frequently Asked Questions
Does Castle Trust offer HMO bridging and buy-to-let?
Yes, Castle Trust is one of the specialist lenders that offers both bridging and buy-to-let products for HMO and multi-unit freehold block properties.
What is the maximum LTV on Castle Trust bridging loans?
Castle Trust offers bridging loans up to 80% loan-to-value, subject to the individual case and property type.
Does Castle Trust provide development finance?
Yes, Castle Trust provides development loans with flexible drawdown schedules for experienced developers and property investors.
Can I use Castle Trust for a mixed-use property purchase?
Yes, Castle Trust offers bridging finance for residential and mixed-use properties, assessed on a case-by-case basis.
How to Apply
Broker only. Castle Trust products are available through mortgage brokers. Find a broker with Castle Trust on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| West One Loans | Buy-to-Let, Bridging, Development+3 | Specialist | 80% |
| Octopus Real Estate | Buy-to-Let, Commercial, Bridging+3 | Specialist | 75% |
| Atelier Finance | Commercial, Bridging, Development+1 | Specialist | 70% |
| Close Brothers Property Finance | Commercial, Bridging, Development+1 | Specialist | 60% |
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