United Trust bank Reviews

United Trust Bank excels in competitive savings products and award-winning service, regulated and recognized for excellence in savings and secured loans.

Here are the Trustpilot Reviews from United Trust bank:

Here are the Reviews from United Trust bank:

We have found United Trust Bank very easy to work with, and interest rates are good. It’s personalised service... Setting up new accounts is more straightforward than with other banks, and online banking has now been introduced too. We’ve already recommended UTB to others...

Hugh S

Thanks for all your help – it has been such a different and pleasurable experience dealing with you on opening an account compared to the traditional banks.

Suzannah

As a business... we were persistently disappointed with the interest rates on offer for our hard earned balances. We came across United Trust Bank... was dealt with exceptionally promptly, and very professionally. A specific individual was assigned to helping us... Now that UTB have added a secure online banking portal... The interest rates are competitive, and the variety of accounts... is extensive. I would highly recommend UTB to any business without hesitation.

Mike Parry

It’s hard to find a provider that offers a fair rate of return to a Limited Company investor. However UTB do that. The experience... was simple, yet with good security protection. Communication... has been good yet not intrusive.

Peter C

...our Pensioners Association established a savings relationship with UTB... UTB offered significantly superior fixed deposit rates, easily exceeding our clearing bank. I confidently challenge any non-regulated Club or Association to find a more reliable and supportive banking partner than United Trust Bank.

Laband

We’ve found United Trust Bank to be a pleasure to work with, offering highly competitive interest rates. We especially value the personal service from our relationship manager, Niki... We would gladly recommend United Trust Bank to other businesses...

Laura McArdle

Explore United Trust bank's Finance Solutions:

Regulated Bridging Loan

£100,000 – £3,000,000

Unregulated/Investment Bridging Loan

£100,000 – £15,000,000

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Explore United Trust bank's Finance Solutions:

Loan Type:

Regulated Bridging Loan

Loan Range:

£100,000 – £3,000,000

Loan Terms:

3 – 12 months (can extend to 18)

Minimum Turnover and Trading Age:

No trading requirement – available to homeowners

Interest Rate / Factor Rate:

0.55% – 0.85% per month (approx. 6.6% – 10.2% p.a.)

Fees:

2% arrangement; no exit fee; valuation & legal costs payable

Loan Type:

Unregulated/Investment Bridging Loan

Loan Range:

£100,000 – £15,000,000

Loan Terms:

3 – 24 months

Minimum Turnover and Trading Age:

No trading period required

Interest Rate / Factor Rate:

0.48% – 1.25% per month

Fees:

2% arrangement; 1% exit fee on some products; legal & valuation costs

Loan Type:

Light Refurbishment Bridging Loan

Loan Range:

£100,000 – £5,000,000

Loan Terms:

3 – 18 months

Minimum Turnover and Trading Age:

N/A

Interest Rate / Factor Rate:

0.55% – 0.95% per month

Fees:

2% arrangement; exit fee 1% if >70% LTC; monitoring surveyor costs

Loan Type:

Heavy Refurbishment / Conversion Bridging

Loan Range:

£250,000 – £10,000,000

Loan Terms:

6 – 24 months

Minimum Turnover and Trading Age:

N/A

Interest Rate / Factor Rate:

0.75% – 1.25% per month

Fees:

2% arrangement; 1% exit; QS monitoring and drawdown fees

Loan Type:

Residential Development Finance (Senior & Stretch Senior)

Loan Range:

£1,000,000 – £25,000,000+

Loan Terms:

9 – 36 months

Minimum Turnover and Trading Age:

Developer track record preferred but first-time builders considered with support

Interest Rate / Factor Rate:

6.0% – 9.0% p.a. (margin over SONIA)

Fees:

1% – 2% arrangement; 1% exit on GDV; monitoring & legal fees

Loan Type:

Semi-Commercial / Mixed-Use Development Finance

Loan Range:

£1,000,000 – £15,000,000

Loan Terms:

9 – 30 months

Minimum Turnover and Trading Age:

Experience preferred

Interest Rate / Factor Rate:

6.5% – 9.5% p.a.

Fees:

1.5% arrangement; 1% exit; other professional fees

More About United Trust bank

United Trust Bank (UTB), established in 1955, is a specialist UK lender focused on property and asset finance, including bridging, development, and niche mortgage lending. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority, UTB serves property professionals, established SMEs needing asset funding, and consumers requiring non-standard mortgages. All lending is via intermediaries, making it suited to those who prefer or need broker support.

Key practical features of United Trust Bank

UTB stands out due to technology-driven processes and a commitment to flexible, case-by-case lending. The following features aim to streamline funding for property and business borrowers.

Broker portal offers online decisions in principle and real-time case tracking.
Supports e-signature and secure document upload using Nivo and DocuSign.
Uses automated valuation models for select lower-risk bridging and development deals.
Relationship managers and credit analysts are assigned for tailored support on every case.
Development loan clients benefit from a stage-draw management portal with drawdown tracking.

Eligibility for United Trust Bank lending

You may qualify for UTB finance if your business has at least 12 months of trading history for asset finance or 24 months for secured business loans. Property loans do not have strict trading requirements. Affordability is assessed on a case-by-case basis, and most property and asset-backed products require tangible security. Borrowers from excluded sectors such as arms, gambling, or adult entertainment will not be eligible. Most property lending is limited to England and Wales, while select asset finance is available UK-wide, sometimes excluding Northern Ireland.

Loan options available

UTB offers a range of funding from short-term bridging to specialist mortgages, asset finance, and block discounting. Options span from £10,000 to £35,000,000, covering terms from 1 month up to 35 years, depending on product type.

Professions Loan: £10,000 – £1,000,000 for up to 60 months. Intended for regulated firms like solicitors and accountants. Unsecured up to £100k, usually with partner guarantees. Rates 5% – 10% APR.
Asset Finance – Hire Purchase & Finance Lease: £10,000 – £2,000,000 over 1 to 7 years. Funds vehicles, equipment, or soft assets. Fixed or variable rates from 4.5% – 12% APR, usually requires personal guarantees for SMEs.
Bridging Loans: £100,000 – £15,000,000 for terms from 3 months to 24 months. Regulated bridging from 0.55% per month, unregulated from 0.48%. Accepts complex structures, high leverage, and rolled interest to ease cash flow.
Development Finance: £1,000,000 – £25,000,000+ for 9 – 36 months. Up to 70% GDV, supporting both senior and stretch senior structures. Dedicated development managers assigned with fast credit approval.
Structured Property Finance (Investment Loan): £3,000,000 – £35,000,000 for 12 – 60 months. Suitable for portfolio owners needing interest-only funding at 4% – 7% (margin over SONIA). Minimum 120% interest cover required.
Block Discounting Facility: £1,000,000 – £35,000,000 revolving. Funds finance companies against receivables. Available to established lenders with >£5m receivables portfolio, margin over SONIA 3% – 6%.

How to apply for United Trust Bank finance

Applications are initiated by intermediaries via an online portal, with support available by email and phone. Expect an indicative decision in principle within 2 hours. Formal approvals typically take 24–72 hours following valuation and document checks. Bridging loans can complete in 5–10 working days. Asset finance may pay out within 24 hours of signed documents.

Submit your application online through your broker, including required documents such as ID, bank statements, and asset or property details.
Provide any extra supporting evidence, like schedules of works for property projects or valuation reports for assets.
UTB conducts underwriting and due diligence, reaching a formal decision within three days in most instances.
Once approved, sign electronically via secure e-signature. For asset finance, funding can be released same day.

Funding Agent's review of United Trust Bank

United Trust Bank is established in the UK specialist lending space, offering flexible and technology-enabled funding to property professionals, SMEs, and non-standard borrowers. Its approach suits those comfortable pledging security and working through a broker. If you want to compare options or check your eligibility for property or business finance, consider using an eligibility checker or a loan comparison tool. Clear documentation and reasonable timelines make UTB a viable choice for borrowers with asset security and more complex needs. Explore Funding Agent guides and tools for deeper research or bespoke funding analysis.