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

What is a Homeowner Business Loan?
A Homeowner Business Loan is a type of secured loan that allows you to raise funds for your business by using the equity in your main residential property. It is ideal for self-employed individuals, sole traders, and property owners who need quick access to capital without re-mortgaging.
At Mercantile Trust, our Homeowner Business Loans are offered exclusively as Second Charge Loans, meaning they sit behind your existing residential mortgage. This allows you to unlock funding without disturbing your current mortgage arrangement.
Key Features:
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Loan amounts from £25,000 to £300,000
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Secured against your residential property
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No need to remortgage
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Adverse credit considered
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Funds available in as little as 48 hours
Whether you're launching a new venture, covering cash flow gaps, or investing in growth, a Homeowner Business Loan offers a flexible and efficient way to fund your business using your home as security.
Homeowner Business Loan Criteria
- Nationwide Coverage: Available for properties across England, Scotland, Wales, and Northern Ireland
- Borrowing for business or investment purposes only
- Loan Options: Only 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 £25,000 up to £300,000
- Eligibility Requirement: Must own at least one residential property
- Flexible Repayment: Choose monthly payments or repay at the end of the term
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