Why choose Mercantile Trust?
With our common sense approach to lending, we offer flexible and quick solutions tailored to your needs.

What is a Buy to Let Business Loan?
A Buy to Let Business Loan is a secured loan that allows landlords and property investors to release equity from their rental properties to fund business activities. The loan is secured against a Buy to Let property, making it a flexible way to raise capital without selling assets or disrupting existing mortgage arrangements.
At Mercantile Trust, our Buy to Let Business Loans are available to both individual and limited company landlords. You can borrow against a wide range of property types, including Holiday Lets, HMOs, MUFBs, and Student Lets.
Buy to Let Business Loan criteria
- Nationwide Coverage: Available for properties across England, Scotland, Wales, and Northern Ireland
- Borrowing for business or investment purposes only
- Flexible Loan Options: First and second charge loans available
- Bridging and term loans available
- Competitive LTV: Borrow up to 75% loan-to-value (LTV)
- Diverse Property Types: Most construction types accepted
- Landlord-Friendly Terms: No personal income required for existing landlords
- Affordable Entry: Minimum property value of £75,000
- Loan Sizes: Borrow from £10,000 up to £500,000
- Product options: Various fixed rate options available, including a 5 year fixed rate with no early repayment charges
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.
Common questions about Business Loans