Mercantile Trust is an independently owned specialist lender in buy to let mortgages and bridging loans and is a part of the Norfolk Capital Group of Companies that have been providing loans for over 25 years.
We aim to help everyone, our clients include people with excellent credit profiles, to people with adverse, poor or even bad credit profiles. We approach each client’s case without judgement and endeavour to provide the best outcome possible.
Our business is built on integrity and accountability, with the aim of building lifelong relationships with our clients. We offer a flexible approach to underwriting and have a team of experts ready to help you, they can be reached from our contact us page.
What we do
We work directly with borrowers as well as 3rd party intermediaries to provide the best financial solution for the customer. Each application is considered on its own individual merits and we pride ourselves on exceeding expectations and customer satisfaction.
We offer good sense and sound judgement in all matters. Mercantile Trust is a direct lender and, as such we do not charge broker fees, we are also able to lend to clients with complex needs.
Our product range includes
Buy to let mortgages and bridging loans, with 1st and 2nd charges on all products.
If you want to apply for a loan, simply visit our application page to begin the quote / application process.
If you are a Broker, Directly Authorised or an Appointed Representative of a network, Mercantile Trust would like to work with you.
You can provide us with full packaged deals or we can help package the deals for you.
Simply visit our Intermediary hub for more information and to submit a case.
The values and behaviours that guide us in all that we do and say:
Integrity
We expect everyone who works for us to act with unyielding integrity in everything they do. In short, we do what we say. We walk the talk. We do not accept in any circumstances a nod or a wink or turning a blind eye. We know where our moral compass takes us and we follow that route without compromise.
Honesty
We expect everyone who works for us to tell the truth and act honestly in all their dealings with each other and every client, partner and supplier. In short, we say what we do. Even if we know it will be painful to admit to failings or shortcomings. We always say it as it is.
Equality
We treat everyone who works for us as equal irrespective of age, gender, race, sexuality, ability or anything else. That means equality of opportunity, equality of care and equality of voice. Our group is built on a team ethos that recognises the value of the contribution of everyone on the team. The only hierarchy is that of the quality of the idea. The best idea always wins, whoever thinks of it.
Fairness
We treat our colleagues, clients, partners and suppliers fairly in all our dealings with them. We don’t seek to take unfair advantage, or exploit our position. We want the balance in every relationship to be mutually satisfactory. We want all relationships to be based on mutual benefit and a fair distribution and allocation of the rewards.
Openness and Transparency
We will be open and transparent in all communication, both internally and externally, with all stakeholders, including third parties. As appropriate and fair, we will share good ideas far and wide within the group. Withholding and restricting information is a weakness in management – not a strength.
Humility
We carry out our business in a humble manner. We don’t need the recognition of our peers and the market. We will let the quality of what we do, the strength of our values and the feedback from our people and clients speak for us.
Service
We are here to serve our customers to the best of our ability and recognise that, if we add value and provide great service, we will lay the foundations of a successful business. Much is written about customer service. Little is understood. We understand that great service is the root of our model.
Trust
We want our people, our clients and our partners and suppliers to trust us. For our people, we want to offer them sustainable careers, knowing that they work for a group that cares and that we will put them first. For our clients, we want them to know that they can trust the advice and products we offer on an unconditional basis. For our partners and suppliers we want them to see us as trusted colleagues who work tirelessly to deliver mutually beneficial success.