Lenders
Second-charge lender profiles
Who each lender is, who owns it, what its filed accounts show and what the Financial Ombudsman has published about it. Every figure links to the public document it came from.
| Lender | FCA authorised since | Latest accounts | Loan book | Profit before tax | Ombudsman decisions |
|---|---|---|---|---|---|
| Central Trust | 27 Jul 2016 | 31 Dec 2025 | £52.7m | £2.1m | 5 (2 upheld) |
| Equifinance | 15 Sep 2016 | 31 Aug 2025 | £455.7m | −£4.0m | 16 (9 upheld) |
| Pepper Money | 29 Jun 2016 | 31 Dec 2025 | £1.6bn | £43.5m | 22 (9 upheld) |
| Together | 31 Oct 2004 | 30 Jun 2025 | £1.5bn | £12.9m | 14 (2 upheld) |
| West One | 2 Oct 2017 | 31 Dec 2025 | £1.6bn | £15.4m | 3 (2 upheld) |
Source: Companies House filings, the FCA Financial Services Register and the Financial Ombudsman Service decisions database. Loan book and profit are for the company named on each profile, and for some lenders include first-charge and buy-to-let loans. Checked 20 October 2026.
Spotted an error? Tell us and we’ll check it against the source and correct it. Corrections policy