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
To get started, simply call our team for free on the number at the top.
What our customers say about us
"Great service. Paul has been amazing through the whole process, I would recommend them to everyone."
11 Jun 2026
"Faultless from start to finish, all members of staff so professional. Very happy with the whole process, all staff very professional, polite and informative. I cannot fault the service I received. I would definitely recommend the loans engine."
28 May 2026
"Excellent service. Matt was superb, really efficient , explained everything very clearly and were extremely responsive. He made me feel at ease and really knew his products."
15 May 2026
"Nothing short of excellent! I cannot thank Esme and the team enough. It's nice to see a company take customer care seriously. They are professional, courteous and just a pleasure to deal with. I first contacted them in 2022 and again this time around - both occasions have been nothing short of excellent. I will 100% be in touch when my mortgage is up for renewal and recommend to anyone."
01 May 2026
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