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.
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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
We're working on adding live mortgage rate information for Castle Trust. In the meantime, visit their website for the latest rates.
View rates on Castle TrustApplication 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?
What is the maximum LTV on Castle Trust bridging loans?
Does Castle Trust provide development finance?
Can I use Castle Trust for a mixed-use property purchase?
How to Apply
Broker Only
Castle Trust products are only available through mortgage brokers. Use our broker directory to find a broker with Castle Trust on their lender panel.
Contact Information
Need a Castle Trust Broker?
Find FCA-regulated mortgage brokers who have Castle Trust on their lender panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.