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    Let's get started:

    New customers
    0800 032 3737
    Existing customers
    0800 980 6262
    Request a call back
    Make a payment
New clients
0800 032 3737
Existing clients
0800 980 6262
Request a call back
Make a payment
Contact us
Contact us

First Charge Bridging Loans

Quick and straightforward First Charge Bridging Loans

  • Loans from £25k-£500k
  • Pay monthly or at term end
  • Adverse credit considered 
  • Automated valuations (AVM) accepted
  • Multiple exit strategies accepted
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Family Home

Why choose Mercantile Trust?

With our common sense approach to lending, we offer flexible and quick solutions tailored to your needs.

Sales Point Tick
Borrow from £25,000 to £500,000
Sales Point Tick
Borrow up to 75% Loan-to-Value (LTV)
Sales Point Tick
Lending across the UK: England, Wales, Scotland, and Northern Ireland
Sales Point Tick
Available on all rental properties: Holiday Lets, HMOs, MUFBs, and Student Lets
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What is a First Charge Bridging Loan? 

A First Charge Bridging Loan is a type of short-term secured loan where the lender holds the primary legal claim (or "first charge") over the property used as security. This means the lender has first priority to recover their money if the property is sold or repossessed.

0800 032 3737

First Charge Bridging Loan criteria

 

  • Nationwide Coverage: Available for properties across England, Scotland, Wales, and Northern Ireland
  • Borrowing on Buy to Let, HMO, Holiday let , MUFBs, and Student Lets for any legal purposes 
  • Competitive LTV: Borrow up to 75% loan-to-value (LTV)
  • Diverse Property Types: Most construction types accepted
  • Landlord-Friendly Terms: No minimum income required for existing landlords
  • Affordable Entry: Minimum property value of £75,000
  • Loan Sizes: Borrow from £25,000- £500,000
  • Flexible Repayment: Choose monthly payments or repay at the end of the term
  • No Early Repayment Charges: Repay early with no penalties,  just a discharge fee of £245 applies
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Application process 

1

Simply fill out the Enquiry Form to arrange a call back or call our expert team on 0800 032 3737


2

We will take time to understand what you want to achieve and ensure you qualify for a loan with us


3

If approved you could have the funds in 48 hours

Ready to get started? 

We are here for anyone who needs flexible and tailored loan solutions. Whether you have complex income, have imperfect credit, are employed or self-employed, or need faster access to funds than a high street lender can offer — we’re here to help.

Let’s discuss how we can help your next investment. Speak to an expert.

0800 032 3737

Common questions about Bridging Loans

 

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© 2025 Mercantile Trust. All rights reserved.
Postal address: Mercantile Trust Limited, Building 2, Axis, Rhodes Way, Watford, Hertfordshire, WD24 4YW.
Registered Office: 25-27 Surrey Street, Norwich, Norfolk, NR1 3NX. Mercantile Trust is registered in England No: 07023863.

Our loan products are not regulated by the Financial Conduct Authority.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.