About Castle Trust Bank
Castle Trust Bank is an established and well-recognised lender for its innovative mortgage solutions, catering to clients whose financial profiles do not fit traditional lending criteria. Established in October 2012, and supported by the leading US private equity firm J.C. Flowers & Co., Castle Trust Bank provides exceptional value through a combination of extensive industry experience and a commitment to customer-centric service.
In June 2020, they achieved full authorisation as a bank, expanding its offerings to include fixed-term savings accounts and a broader range of mortgage products. Led by a team of senior executives with diverse backgrounds in product design, finance, technology, and operations, Castle is well-positioned to deliver tailored financial solutions to its customers.
Their Purpose & Vision
Castle Trust Bank understands that traditional mortgage solutions often fall short for customers with high-quality assets but unconventional income. This lender specialises in providing flexible, imaginative lending solutions that cater to the unique needs of high-net-worth individuals, experienced buy-to-let investors, and business owners.
Their products are available exclusively through authorised financial intermediaries, such as the team at Provide Finance, ensuring that clients receive expert guidance tailored to their specific financial situations.
Historical Journey
Since its inception, Castle Trust has consistently evolved to meet the needs of its clients. In 2017, the acquisition of Omni Capital Retail Finance added point-of-sale retail finance to its suite of services. With operational hubs in Basingstoke and the City of London, Castle Trust Bank now serves nearly 180,000 customers across its savings, specialist mortgage finance, and retail finance arms. The lender’s high Net Promoter Scores reflect its commitment to exceptional customer service.
Flexible and Tailored Mortgage Options
Castle specialises in providing mortgage solutions for buy-to-let investors, high-net-worth individuals, and business owners. Whether clients need short-term bridging mortgages or longer-term solutions, Castle Trust Bank offers competitive and flexible options.
Buy-to-Let Mortgages
They offers tailored mortgage solutions for buy-to-let investors seeking to:
- Raise money for a purchase or refurbishment
- Maximise value from existing investments
- Refinance existing borrowing
- Raise capital
The lender’s flexible approach includes considering applications from first-time buyers, existing landlords, individuals, limited companies, ex-pats, and foreign nationals.
Specialist Mortgage Solutions
Castle Trust Bank is renowned for its imaginative lending approach, understanding that cash flow and net worth are not synonymous. They have an incredibly skilled team that helps its clients make informed, logical decisions tailored to each client’s unique circumstances, ensuring the best possible terms.
Commitment to Environment, Social, and Governance (ESG)
Environment
They are dedicated to environmental sustainability. Both their Basingstoke and London offices are powered by renewable energy sources, demonstrating their commitment to reducing their environmental footprint.
Social Responsibility
The social well-being of staff, business partners, and the local community is a key focus for Castle Trust Bank. As a signatory to HM Treasury’s Women in Finance Charter, they are committed to improving gender balance in senior management roles.
Governance
Strong governance practices are central to Castle’s operations. The Board oversees the development and execution of the ESG plan, ensuring rigorous controls across all areas. The latest plan, reviewed and approved by the Board in February 2023, sets ambitious targets for the future.
The final say
Castle Trust Bank stands as a premier lender on our panel, known for its specialist mortgage solutions and commitment to customer satisfaction. By offering flexible, tailored financial products, Castle Trust Bank helps clients navigate the complexities of property finance.