A little bit about us
We’re a specialist finance broker based in Watford, with particular expertise in helping UK homeowners access secured finance.
With nearly 40 years of experience, we’ve helped thousands of customers find the finance they need, including people who may have struggled to get credit through mainstream lenders.
The Loans Engine is a trading name of Central Loans Limited, a wholly owned subsidiary of Norfolk Capital Limited. Norfolk Capital is a wider financial services group whose companies provide a range of finance products and services.
What we do
We take the hard work of finding finance 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. Instead, we use our experience, technology and relationships with specialist lenders to help you find finance that may be suitable for your circumstances.
While we may not be able to help in every situation, we will always try our best to find a suitable solution. If we find you a suitable product, our experts will guide you through the process and keep you informed at every step.
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
Getting started is quick and simple.
To find out more, simply call our team for free using the number at the top of the page. One of our experts will be happy to answer your questions and explain the options available to you.
If you prefer, you can also complete our quick online enquiry form, available on any of our product pages. Just provide a few details and submit your enquiry, and one of our experts will get back to you as soon as possible.
What our customers say about us
"Great service. Very helpful and friendly through all steps of the process. Also, very quick: it took less than a week, from the first phone call, to the loan being on our account, 4 days if you don't count the weekend. I would highly recommend."
30 Sept 2026
"Great help finding the right loan for us. Then excellent friendly guidance through the whole application process. They also witnessed for us, which was very convenient. In the end it took less than a week from the first phone call to the funds appearing in our account, and if it weren't for the weekend it would have been 4 days."
30 Sept 2026
"I could not have asked for a better advisor than Paul A. Fantastic from start to finish. Nothing was too much trouble."
07 Sept 2026
"First class service, very helpful and kept us updated right through the process. Massive thanks to Paige, Freya and Charlotte for there support top team would highly recommend"
01 Sept 2026
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