The content of this website and the products and services featured are only available to residents of the United Kingdom aged over 18 and are subject to status. By accessing and using this website you are agreeing to our Conditions of Use and Privacy statement.
00 Mortgages are administered through Central Capital.
Telephone calls may be recorded for training and security purposes.
Central Capital is registered in Guernsey number 37613.

Registered Office:
1 Le Marchant Street,
St Peter Port,
Guernsey,
GY1 4HP.

Address for UK correspondence:
The Atrium,
St Georges Street,
Norwich,
Norfolk
NR3 1GT.
Consumer Credit Licence Number 498779
Central Capital has appointed Progressive Loan Processing Services Limited to manage loan applications on its behalf.

Important Information.
We will treat all your information as private and confidential (even when you are no longer a client) except where we are permitted by law or where the disclosure is made at your request or with your consent in relation to arranging your loan. Where your application has been introduced by a third party, for example another broker, we may disclose information concerning the progress of your application to them. We will be pleased to confirm if this is the case.
We will store the information about you on computer and in other records. We will only use this information for the purposes registered under the Data Protection Act 1998, and where appropriate the Data Protection (Bailiwick of Guernsey) Law 2001. This may include sharing your information with other companies in the Central Trust PLC Group.
As part of the Mortgage Code Compliance Board's (MCCB) duties we may be asked to provide access to our records so that the MCCB may carry out an audit of our activities. If we disclose your personal information to the MCCB the MCCB has agreed with us that it will only use this information for the purposes of compliance with the Mortgage Code and not for any other reason.
As part of the Finance Industry Standards Association's (FISA) duties we may be asked to provide access to our records so that FISA may carry out an audit of our activities. If we disclose your personal information to FISA, they have agreed with us that it will only use this information for the purposes of compliance with their Codes of Practice and not for any other reason.
Further information regarding data protection will be provided by us with any loan documentation that may be sent to you.
Further details of the companies in the Central Trust PLC Group are available from the Data Protection Officer (below)
You have the right of access to your personal records upon request to:
Data Protection Officer
Central Trust PLC Group
FREEPOST ANG20079
Norwich NR3 1ZE

Unless you advise us to the contrary, both we and any other broker or lender we refer your application to may contact you by letter, e-mail or fax to offer other products that they feel may be of interest to you.
If you do not wish to be contacted by Central Capital (or other companies in the Central Trust PLC Group) offering other products which we think may interest to you please write to the Data Protection Officer as above, or e-mail your name and address (including postcode) to unsubscribe@centraltrust.plc.uk

Privacy Statement.
This privacy statement covers all web sites operated by Central Capital. Because we wish to demonstrate our commitment to our users' privacy, we disclose these details.
What personally identifiable information is    collected.
What personally identifiable information third    parties collect through the Web sites.
What organization collects the information.
How we use the information.
With whom we may share user information.
What choices are available to users regarding collection, use and distribution of the information.
What types of security procedures are in place to protect the loss, misuse or alteration of  information under our control.
How users can correct any inaccuracies in the information.

If users have questions regarding our policies please contact us by e-mailing webmaster@centraltrust.co.uk

Information Collection and Use
Central Capital is the sole owner of the information collected on its web sites. Central Capital collects information from our users at several different points on our site.
Application Form.
We may request information from the user on our application form. A user must provide contact information (such as name, e-mail address, home address etc) and in some cases, financial information (such as loan amounts, outstanding credit balances etc.). This information is used in consideration of your loan application. We use the information to contact you regarding your application.
We store information that we collect through cookies, log files, clear gif's, and/or third parties to create a profile of our users. A profile is stored information that we keep on individual users. We do not share your profile or personally identifiable information with any third party outside of the Central Trust PLC Group of Companies.
Cookies.
A cookie is a piece of data stored on the users computer tied to information about the user. We use session ID cookies only. For the session ID cookie, once users close the browser, the cookie simply terminates.
By setting a cookie on our site, we allocate each visitor a Unique Reference that follows them throughout the site. This Unique Reference is logged along with referring domain information and just your e-mail address only in the event you make a loan application. If you do not make a loan application, only your referring domain information is stored.
Log Files
Like most standard web site servers, we use log files. The includes Internet protocol (IMP) addresses, browser type, Internet service provider (ASP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyse trends, administer the site, track users movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information.
Clear Gifs (Web beacons/Web bugs)
On occasion, we employ a software technology called clear gifs that help us monitor the effectiveness on certain marketing and advertising that we do across the Internet. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users.

Communications from the Site
Mailing List
All applicants are entered onto our mailing list. This list may be used by Central Capital for the future marketing of products and services to you.
Special Offers and Updates
We send all new subscribers to our mailing list a welcome e-mail. Established members will occasionally receive information on products, services, special deals, and a newsletter.
Service Announcements
On rare occasions, it might be necessary to send out a strictly service related announcement. These communications will not be promotional in nature, and will relate strictly to any important service announcement that we have to make, for example, server downtime.
Customer Service
We communicate with customers on a regular basis to provide requested services and information relating to their loan application. We reply via e-mail, phone or in writing in accordance with the users wishes. Due to the nature of the loan application process it might be a requirement to contact you by telephone or by writing to you, and we will advise you if this is so.
Sharing
Aggregate Information
We do not share aggregated information with our partners and advertisers.
Third Party Advertisers
Central Capital shares web site usage information about users with a reputable third party for the purpose of targeting our Internet banner advertisements across the Internet. The information we may share with them is not personally identifiable in any way to any of our users.
Choice/Opt-out
Users who no longer wish to receive any communications or promotional marketing information from us, may opt-out of receiving these communication by replying to unsubscribe in the subject line in the e-mail, or e-mail us at unsubscribe@centraltrust.co.uk
Users of our site are always notified when their information is being collected by any outside parties. We do this so our users can make an informed choice as to whether or not they should proceed with services that require an outside party.
Links
This web site may contain links to other sites from time to time. Please be aware that we, Central Capital, are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this web site.
Surveys
From time to time, our site requests information from users via surveys. Participation in these surveys is completely voluntary and the user therefore has a choice whether or not to disclose this information. The requested information will be completely anonymous and will not require any form of personally identifiable information.
Notification of Changes
If we decide to change our privacy policy, we will post those changes to this privacy statement and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected.
If however, we are going to use users personally identifiable information in a manner different from that stated at the time of collection, we will notify users via e-mail Users will have a choice as to whether or not we use their information in this different manner. However, if users have opted out of all communication with the site, then they will not be contacted, nor will their personal information be used in this new manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a notice on our web site notifying users of the change.

Joint Applicants
We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds. We may use credit-scoring methods to assess this application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by Central Capital and other companies of The Central Trust PLC Group, and other companies may use the record of searches and any other information provided to the agencies if credit decisions are made about you, or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.
To prevent or detect fraud, or to assist in verifying your identity, we may make searches of Group records and at fraud prevention agencies who will supply us with information. We may also pass information to financial and other organisations involved in fraud prevention to protect ourselves and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud, we will record this. We, members of the Group, and other companies may use this information if decisions are made about you or others at your address(es) on credit or credit-related services.
By stating a financial association with another party, you are also declaring that you are entitled to:
Disclose information about your joint applicant and/or anyone else referred to by you
Authorise us to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you.
Sole Application
We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds. We may use credit-scoring methods to assess this application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by Central Capital and other companies of The Central Trust PLC Group, and other companies may use the record of searches and any other information provided to the agencies if credit decisions are made about you, or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.
To prevent or detect fraud, or to assist in verifying your identity, we may make searches of Group records and at fraud prevention agencies who will supply us with information. We may also pass information to financial and other organisations involved in fraud prevention to protect ourselves and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud, we will record this. We, members of the Group, and other companies may use this information if decisions are made about you or others at your address(es) on credit or credit-related services.
By stating a financial association with another party, you are also declaring that you are entitled to:
Disclose information about your joint applicant and/or anyone else referred to by you.
Authorise us to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you.
Information held about you by the Credit Reference Agencies may already be linked to records relating to one or more of your partners. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records.

For Both Sole and Joint Applications
Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies. If you borrow and do not repay in full and on time, we may tell credit reference agencies who will record the outstanding debt.
Additional Information – Typical Example
TYPICAL EXAMPLE £200,000 OVER 240 MONTHS @ £1815.00 PER MONTH = £435,600 TOTAL AMOUNT REPAYABLE (9.5%APR).
Example includes - £500 commitment fee, £400 valuation fee, £4000 broker fee, £2500 Lender completion fee, £2175 solicitors charges added to loan.