Castle Trust

Business Details

14 Years

experience

Your Trusted Partner for Savings, Mortgages & Retail Finance Solutions

Castle Trust was established in 2012 to provide investment products and specialist mortgage finance. Since securing our banking license in 2020, we have expanded to offer savings accounts, Cash ISAs, specialist mortgages, and retail finance solutions. Our Savings division serves over 26,500 customers through online fixed-rate and notice accounts, managed via our intuitive digital platforms. We specialise in bridging loans and buy-to-let mortgages for property investors, delivered exclusively through authorised financial intermediaries. Our retail finance arm, Omni Capital, partners with 2,000 UK retailers to offer point-of-sale financing, enabling customers to spread purchase costs.

We uphold core values of customer-first service, forward-thinking innovation, and professional integrity. All eligible deposits are protected up to 85,000 by the Financial Services Compensation Scheme. Through our ESG commitment, we aim to make a positive environmental and social impact while maintaining responsible business practices. Our dedicated team combines sector expertise with a focus on transparency to deliver tailored financial solutions.

Services

Fixed Rate Savings Accounts Cash ISAs Notice Accounts Bridging Mortgages Buy-To-Let Mortgages Retail Finance Online Account Management Mobile App Access ISA Transfers FSCS Protected Deposits

Details

Year established: 2012

Highlights and features

We offer award-winning savings accounts with competitive interest rates.
Our online platform and mobile app provide seamless account management.
We specialise in bridging and buy-to-let mortgages tailored to individual needs.
All deposits are protected up to 85,000 by the Financial Services Compensation Scheme.
We prioritise customer service, supported by a dedicated and experienced team.

Associations and certifications

Financial Conduct Authority
Prudential Regulation Authority
Financial Services Compensation Scheme

Website

Update Listing

Services

Fixed Rate e-Cash ISA

Our Fixed Rate e-Cash ISA provides guaranteed returns on tax-free savings with terms up to five years. Customers benefit from competitive AER rates, including 4.22% for five-year deposits. The account supports ISA transfers from other providers, allowing consolidation of tax-free savings under expert management.

Bridging Mortgages

Bridging mortgages deliver fast financing for property purchases and refurbishments. These short-term solutions cater to landlords, investors, and foreign nationals needing urgent funds for acquisitions or development projects. Availability through specialist brokers ensures tailored support for complex property transactions.

Buy-To-Let Mortgages

Buy-to-let mortgages offer medium-term financing for residential investment properties. Products cover standard rentals, HMOs up to six bedrooms, and portfolio landlords. Brokers facilitate access to competitive rates for experienced and first-time property investors across the UK.

Retail Finance

Retail finance solutions empower businesses to offer flexible payment plans through Omni Capital. Our solutions support 2,000 UK retailers across sectors, enabling customers to spread purchase costs while maintaining streamlined transaction processes for merchants and shoppers.

Notice Accounts

Notice accounts provide accessible savings with variable interest rates. These accounts allow additional deposits and withdrawals (subject to notice periods), balancing growth potential with liquidity. Ideal for savers seeking moderate access to funds while earning competitive returns.

Questions

How can I apply for a savings account?

Apply online through our Self-Service Portal or mobile app with your personal details and nominated bank account information.

What interest rate guarantees do you offer?

Fixed Rate Savers and ISAs guarantee rates for specified terms, while Notice Accounts have variable rates subject to market conditions.

Are my deposits protected?

Eligible deposits receive up to £85,000 protection from the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

Can I transfer existing ISAs?

Yes, you can transfer current or previous ISAs during online applications using our secure ISA Transfer In process.

How do I access mortgage support?

Contact your financial intermediary to arrange specialist mortgage consultations or discuss payment concerns directly with our team.

What retail sectors do you support?

Our retail finance division partners with 2,000+ UK retailers across diverse sectors, offering customised point-of-sale payment solutions.

Reviews (7)

Write a Review

S. Poulman

Dec 13, 2021 Report

I have just opened an account with Castle Trust Bank and had some trouble setting up my online access (all my own fault). The support I received from both their telephone helpline and the online messaging was second to none - very impressed!

John Elmore

Dec 03, 2020 Report

Very disappointed waited for 30min before anyone answered the phone then one woman answered she was no help and ver offhand tried to log in with my password it wouldnt work I tried to change it they said they would email a prompt twice but they never emailed me back

Gwen Mills

Oct 08, 2020 Report

Been using Castle Trust over 5 years. I was cautious at first because they weren't a bank. Recently they have obtained that status plus they are registered with the FSA/FCA (whatever they are calling themselves today). By and large the customer service has been good.

Faraz Jan

Sep 26, 2020 Report

Great customer service, a considerate and understanding team. As a result of matters out of my hands, I was provided with an extension in order to complete on a remortgage. The team were understanding of my predicament and offered me alternate solutions to resolve the issues I was facing with other lenders.

Bogdan

Jul 04, 2020 Report

Avoid them, they don't care about their customers. If there is no other choice be prepared, they are some old wolves.

Dave Millen

Nov 28, 2018 Report

So far after 2 years i have found the service good and had no issues, interest rates are usually good

Jed Williams Jd

Sep 12, 2018 Report

Very efficient and pleasent to speak to, have had a few bonds with castle trust, good to be able to talk by phone.