Buy To Let

Mercantile Trust offer a wide range of First or Second Charge mortgages that can be secured on Buy-to-Let properties.

Property owners can borrow up to £750,000 over a term of up to 25 years.

We offer Capital and Repayment or Interest Only mortgages on Fixed or Variable rates.

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Bridging Loans

We offer First and Second Charge Bridging Loans which can be used to ‘bridge the gap’ for up to 12 months until longer term finance is arranged or the security is sold.

Loans available from £25,000 to £1,000,000 on First Charge Bridging. No redemption penalties.

Bridging loans can be used for any legitimate purpose.

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Commercial & Semi Commercial Finance

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

If you have a property that has both a commercial and residential element to it then a Semi Commercial mortgage could be for you.

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  • Minimal penalty on early repayment
    - BTL the figure is valid for 28 days plus 30 days interest and a discharge fee of £245
    - Commercial figure - 3% in years 1-3, 0% thereafter and £300 discharge fee
    - Bridging no early repayment charge
  • Non Regulated products only
  • All FCA authorised Mortgage Lenders followed (2nd Charges)
  • Debt consolidation - all the money to the customer
  • Cross charging, can add 4 loans to one loan agreement or use a schedule if more properties
  • Most properties considered: Timber framed, prefab, Ex local authority
  • No Minimum Income requirements
  • IVAs and DMAs on 0 Status plan if up-to-date
  • Relaxed policy on Unsecured debt defaults beyond 12m
  • Direct access to underwriters
  • Will accept part packs and scanned packs
  • Dedicated team of BDEs and BDMs

Our Rates

Buy to Let

rates starting from


per annum


rates starting from


per month


& Semi-Commercial rates from


per annum