United Trust Bank


“We aim to deliver an outstanding service by fully understanding the needs of our broker partners and our borrowers and offering bespoke financial solutions suited to their individual circumstances. United Trust Bank’s team of highly knowledgeable professionals is encouraged and empowered to minimise bureaucracy, maximise flexibility and offer quick and reliable lending decisions which will help you to provide the very highest level of service to your clients.”

Harley Kagan – Managing Director, United Trust Bank





United Trust Bank is an established specialist bank providing a wide range of secured funding facilities for individuals and businesses. We also provide deposit accounts for individuals, businesses and charities. With dedicated divisions providing asset finance, bridging finance, development finance, professional loans and technology finance, our in-depth knowledge combined with commercial awareness makes us the lender of choice for finance brokers, developers and individuals seeking a high quality, bespoke service.

The Bank and its lending divisions are led by astute and knowledgeable individuals who collectively bring together many decades of experience. The insight and understanding they hold of their respective sectors has been gained from careers spanning many years and a variety of economic climates. Every proposal we receive is considered on its own merits and we positively encourage a high degree of interaction between intermediaries and our decision makers. It’s this degree of open communication, coupled with a pragmatic and entrepreneurial approach to lending, which often distinguishes us from our competitors.

United Trust Bank has successfully operated in the development finance market for several decades, supporting SME developers through all markets and on a wide variety of projects. Building on our deep knowledge of property, our bridging department is one of the most respected teams in the industry, arranging short term secured loans for individuals, charities, trusts and multi-national companies. United Trust Bank’s experienced asset finance department offers quick and flexible finance packages through a network of approved broker partners. Loans can be secured against a wide selection of wheeled and tracked assets and manufacturing and engineering equipment, including CNC machinery.

The Bank’s technology finance team provides innovative funding solutions which enable businesses to install or upgrade IT systems including hardware, bespoke software and 100% hosted services and maintenance contracts. The professional loans team provides funding to a wide range of professions, including lawyers, architects and accountants, who require quick decisions on loans including those for payments due to HMRC, for professional indemnity premiums and practising certificates.


  • Asset Finance
  • Bridging Finance
  • Development Finance
  • Professional Lending
  • Specialised Mortgages
  • Structured Finance
See our full product matrix here »

Meet the Team

  • Harley Kagan
    Managing Director

    Harley Kagan, is a Managing Director of United Trust Bank, and a chartered accountant. He was previously the Finance Director of the UK Operations of Insinger de Beaufort. He has worked extensively in Corporate Finance, concentrating on acquisitions and disposals, and as a strategy consultant with Cap Gemini.

    Tel: 020 7190 5555

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  • Noel Meredith
    Executive Director, Property Finance

    Noel Meredith, is a career banker. He joined Midland Bank after graduating from Cambridge University. He was previously at County Bank and Svenska Handelsbanken and has been at United Trust Bank for 15 years. He has extensive experience in corporate and property lending and heads the Development Finance team.

    Tel: 020 7190 5555
    Email: nmeredith@utbank.co.uk

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  • Martin Nixon
    Head of Asset Finance

    Martin Nixon has substantial experience having formerly held the position of Operations Director at US funder The Associates’ for 16 years before taking on the role of Sales Director at Japanese funder IBJ Leasing for 11 years. Martin joined United Trust Bank from IBJ Leasing and heads the Asset Finance team.

    Tel: 020 7190 5555
    Email: mnixon@utbank.co.uk

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  • Robert Owen
    Managing Director – Mortgages & Bridging

    Robert Owen holds the position of Managing Director – Mortgages & Bridging at United Trust Bank. Robert has over 30 years of experience in the UK banking and building society sectors. His previous roles have included Divisional Director at Lloyds TSB, Chief Executive at Matlock Bank where in 2000 he founded London Mortgage Company, and more recently establishing a consumer finance business for the West Bromwich Building Society – White Label Lending.

    Tel: 020 7190 5000
    Email: rowen@utbank.co.uk

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In the press