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
"From start to finish the whole process was gruelling but made SO much easier by Marysia and Leah. Leah is super friendly, nothing is ever too much hassle and always did everything she could to put us at ease and worked tirelessly to get us over the finish line and secure our Mortage."
02 Nov 2025
"I felt I was in such safe hands with Georgina and Emily. I spoke to them regularly, daily sometimes, and although my conveyancing took a while, I was kept informed and helped every step of the way with their expert and friendly communication. "
11 Oct 2025
"Excellent. Thoroughly helpful during the whole process."
04 Oct 2025
"I don’t need do anything until the completion. They do everything. Very easy. "
26 Sept 2025