A little bit about us
We’re a specialist finance broker based in Watford, and we’re dedicated to helping customers across the UK find the right finance solutions.
With nearly 40 years of experience, we’ve helped thousands of customers get the loans they need, even those who have struggled to get credit elsewhere.
The Loans Engine is a trading name of Central Loans Limited, a wholly owned subsidiary of Norfolk Capital Limited. Norfolk Capital Limited includes companies that provide different finance products, such as mortgages, secured loans, homeowner unsecured loans and car finance.
What we do
We take the hard work of finding a loan off your hands. Using our unique sourcing technology, we search through a panel of specialist lenders to try and find a product that’s right for you.
As a broker, we don’t lend the money ourselves, but our aim is to make the process of finding a loan as easy as possible.
While we may not be able to help in every situation, we will always try our best to find a suitable solution for you. If we find you a suitable product, our experts will guide you through the process and keep you informed at every step.
The products we specialise in are:
- Asset finance;
- Secured loans;
- Bridging loans;
- Development finance;
- Specialist buy to let mortgages;
- Specialist first charge mortgages;
- Commercial and semi-commercial mortgages.
Unlike some brokers, we don’t limit our search to just a handful of preferred lenders. Instead, we compare options from a range of lenders to try and find a solution that best fits your needs, not ours.
We understand that finance is a personal decision, and getting it right is crucial. That’s why our advisors are CeMAP qualified and are regularly monitored to ensure they’re acting in your best interest.
Our lenders
We partner with a wide range of specialist lenders to offer their loans to you. Many of these lenders don’t deal directly with customers, so they rely on brokers, like us, to connect them with the right people.
In some cases, we have semi-exclusive partnerships with lenders, meaning we may be able to offer you rates that might not be available through other brokers.
Our application process
To get started, simply call our team for free on the number in the top right hand corner.
What our customers say about us
"Great to deal with. Excellent service, really attentive and friendly staff who worked hard in the background pushing things forward with third parties."
04 Aug 2025
"Really good to deal with, went above and beyond to make sure we were getting the best and most affordable deal."
26 Jun 2025
"Would just like to say how smooth the process was with the loans engine even though my case was a little more complicated, Paul Atkinson who was dealing with my application was really helpful all the way through responding to emails and phone calls straight away."
13 May 2025
"Very friendly and helpful team. Managed to borrow some money with low rates of repayment."
13 May 2025