Our products

Bridging loans

Bridging loans

Buy to let mortgages

Buy to let mortgages

Common sense lending

No automated lending decisions

We can help with all sorts of scenarios, from buying your first rental property, to purchasing or remortgaging as an experienced investor; or whether your case is straightforward, or you have a complex borrowing need.

Our approach is based on a desire to say ‘yes’ to lending to you, where others may have turned you away.

Lending decisions in just one call

When you enquire, one of our expert advisors will call to discuss your needs and circumstances.

We will tell you if our products are suited to your case, or, importantly if they are not and we can signpost to other solutions. What’s more, we aim to give you a lending decision in that call, allowing you to quickly progress your plans.

Common sense lending

Enquiring is easy.

It takes 30 seconds.

Simply fill out the form above, or call us to discuss your needs now.

Our team of experts are there for you.

You'll deal with the same experienced advisor throughout your enquiry.

We can get you the funds you need, fast.

You could get a lending decision in just one call.

Why choose Mercantile Trust?

You will be working with an independently and privately owned, specialist lender of bridging loans and buy to let mortgages. So, we are not driven by fulfilling shareholder needs, our focus is on you, our client.

We started our business in 2015 and the broader heritage of the family of companies we belong to dates back even further. We are part of Norfolk Capital Group, which was first incorporated in 1988. Our chairman has been in the role throughout that period and the Group has a stable and trusted reputation.

This means that you can be confident that you are working with a reputable lender, long-standing in the landlord finance marketplace.

What’s more, we take a personal approach to each application we receive. Our lending criteria is designed to help those underserved by the high street. This means that, where you might have struggled to secure lending elsewhere, due to the complexity of your case or your credit history, we may well be able to help.

Every application for borrowing is assessed on its merits and a lending decision is made based on a common sense approach, not an automated number of rules.

Mercantile Trust, the specialist lenders