How much do you want to borrow? £50,000

£10,000 £750,000

Over how many years? 10 Years

3 Years 25 Years


Who we are?

Whether you are looking for a commercial loan, a buy to let 1st or 2nd charge or bridging finance Mercantile Trust can help. We are an independently owned specialist and are part of Norfolk Capital Group of companies that have been providing loans for over 25 years. We provide first charge and second charge Buy to Let, Commercial & Bridging loans.

Our Loans

Buy To Let

We are experts at either a 1st or 2nd charge. We offer Repayment, Interest Only, Fixed and Variable rate loans.

Bridging Loans

We offer 1st and 2nd charges which can be used to ‘Bridge the Gap’ for up to 12 months until longer term finance is arranged or the security is sold.

Commercial Loans

Looking to expand your business, open a new business or re-finance your existing premises then we can help with Commercial finance.

Great reasons to choose Mercantile Trust

Borrow direct - no broker fees

Loans from £10,000 to £750,000

UK based contact centre

Frequently Answered Questions

What is a commercial loan & how much can I borrow?

A commercial loan is essentially the same as a regular loan. The only difference is that the loan is advanced to a business instead of to a consumer. Generally the loans will be larger in size and have a shorter duration. Typically this type of loan is used to fund a large capital expenditure, research and development or maybe to simply cover operating costs. We offer loans from £26,000 to £150,000 over terms of 3-25 years.

What is a bridging loan & how much can I borrow?

A bridging loan (also known as bridging finance) is a loan normally used to “bridge the gap” when buying a property. A bridging loan is a short term funding option which is why they typically come at a higher interest rate compared to a regular personal loan. A common use for this type of loan would be to help fund a new house purchase while waiting for the current property to sell. We offer bridging loans from £25,000 to £1,000,000 over terms of 3-12 months.

What is a buy to let loan & how much can I borrow?

A buy to let mortgage is a type of loan offered for the purchase or refinancing of a residential property. The difference between a buy to let and a regular mortgage is that the property is then rented out to tenants rather than lived in by the owner. We offer first charge buy to let mortgages from £10,000 to £750,000 over 3-25 years if the property is in England, Wales or Mainland Scotland. We also offer second charge buy to let mortgages from £10,000 to £500,000 if the property is in England, Wales or Mainland Scotland. We also offer first and second charge buy to let mortgages in Northern Ireland from £10,000 to £150,000 over terms of 3-25 years.

Who are Mercantile Trust?

Mercantile Trust is part of the Norfolk Capital Group of companies that have been providing loans for over 25 years. We offer commercial, buy to let and bridging finance for properties in England, Wales, Mainland Scotland & Northern Ireland. Simply fill in the form above to get a personalised quote from one of our UK advisers.

As Easy As 1,2,3

1

Fill in our quick online application form. This shouldn’t take more than 2 minutes

2

Our friendly advisers will be in touch to go through your application

3

Relax and leave the rest to us

Please note that in order to assess your application and provide you with an accurate quote, we will request further information from you on submission of your application. Calls may be recorded for training and monitoring purposes.