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    New customers
    0800 032 3737
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    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

Homeowner Business Loans

Raise funds quickly for your business by securing a loan against your residential property

  • Loans from £25k-£300k
  • Pay monthly or at term end
  • Adverse credit considered 
  • Multiple exit strategies accepted
  • Funds possible in 48 hours
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 £300,000
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Borrow up to 75% Loan-to-Value (LTV)
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Personal & Limited Company borrowers welcome
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Lending across the UK: England, Wales, Scotland, and Northern Ireland
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Available as a second charge loan
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Available on your residential property
Enquire now

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:

  • Loan amounts from £25,000 to £300,000

  • Secured against your residential property

  • No need to remortgage

  • Adverse credit considered

  • 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.

0800 032 3737

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
Enquire Now

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 Business 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.