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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

Second Charge Bridging Loans

Quick and straightforward Second Charge Bridging Loans

  • Loans from £25k-£300k
  • Pay monthly or at term end
  • No legal fees in England, Wales, and Scotland
  • Adverse credit considered 
  • Automated valuations (AVM) accepted
  • Multiple exit strategies accepted
Enquire Now
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Why choose Mercantile Trust?

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

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Borrow from £25,000 to £500,000
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Borrow up to 75% Loan-to-Value (LTV)
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Lower value properties, from just £75,000
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Lending across the UK: England, Wales, Scotland, and Northern Ireland
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Available on all rental properties: Holiday Lets, HMOs, MUFBs and Student Lets
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Personal & Limited company borrowers welcome
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What is a Second Charge Bridging Loan?

A Second Charge Bridging Loan is a short-term loan that’s secured against a property which already has an existing mortgage (first charge). This type of finance allows borrowers to access equity in their property without refinancing their primary mortgage, making it a flexible solution for raising capital quickly.

Fast access to funds with flexible Second Charge Bridging Loans

 

Looking for quick access to funding? Our Second Charge Bridging Loan solutions offer a fast and flexible alternative to traditional high street lenders. Whether you have an excellent credit history or have experienced financial difficulties in the past, we assess each application on its individual merits.

We focus on solutions, not setbacks. At Mercantile Trust, we aim to say YES when others won’t. Our lending criteria are designed to support your next step – not let your past hold you back. Get the funding you need, when you need it most.

0800 032 3737

Second Charge Bridging Loan criteria

  • Nationwide Coverage: Available for properties across England, Scotland, Wales, and Northern Ireland
  • Borrowing on residential properties for business or investment only
  • Borrowing on Buy to Let, HMO, Holiday let ,MUFBs, and Student Lets for any legal purpose
  • Competitive LTV: Borrow up to 75% loan-to-value (LTV)
  • No legal fees in England, Wales, and Scotland
  • 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 to £300,000
  • 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 Second Charge 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.