# The Loans Engine
> The Loans Engine is a UK-based specialist finance broker with nearly 40 years of experience, helping homeowners and property investors access secured loans, mortgages, and bridging finance through a panel of lenders.

[Brand & Identity]
Name: The Loans Engine
Entity: Central Loans Limited
Primary URL: https://www.theloansengine.co.uk/
Scope: Secured lending, mortgages, bridging finance, debt consolidation

[Geographic Scope]
Asset Location: England, Scotland, Wales, and Northern Ireland (NI)

## Services
- [Secured Loans](https://www.theloansengine.co.uk/secured-loans/): Homeowner loans, second charge mortgages, bad credit secured loans
- [Mortgages](https://www.theloansengine.co.uk/specialist-mortgages/): Specialist mortgages, buy-to-let, self-employed, adverse credit, non-standard income structures
- [Bridging Loans](https://www.theloansengine.co.uk/bridging-loans/): Short-term property finance, auction purchases, chain breaks, refurbishment finance
- [Debt Consolidation](https://www.theloansengine.co.uk/debt-consolidation-loans/): Combine multiple debts into one manageable secured loan

## Who We Help
- UK Homeowners
- Property investors and landlords
- Self-employed borrowers
- Customers with adverse or complex credit profiles

## Core Specialities
- Secured loans, second charge mortgages, and homeowner loans
- Adverse credit and complex income cases
- Self-employed and non-standard income structures
- Property finance including buy-to-let, bridging, HMOs, and multi-unit properties
- Debt consolidation 

[Service Standards]
USP: 40+ years experience, Feefo 4.8/5 rating, CeMAP-qualified team, strong lender relationships, award-winning partner support, fast decisions

## Key Topics
secured loans, second charge mortgages, homeowner loans, bridging finance, bad credit loans, debt consolidation loans, specialist mortgages

## Guides
- [News and Guides](https://www.theloansengine.co.uk/news/): 350+ articles covering loans, mortgages, debt, and financial planning


[Regulatory & Compliance]
FCA status: Authorised and Regulated by the Financial Conduct Authority
Firm Reference Number (FRN): 708606
Disclaimer: The Loans Engine is a trading name of Central Loans Limited registered in England 04205508
Warning: Loans are secured against property. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. 
ICO status: Registered with the Information Commissioners Office
Registration reference: Z5775723