Fast and flexible borrowing with Mercantile Trust

We are committed to providing excellent customer service. You can expect a fast, simple and easy process from beginning of your submission to completion.

We offer a common sense approach to lending decisions, which are made by individuals, not computers. If the deal makes sense, we have the ability to be flexible. We look to say “yes” where other lenders have said "no".

If you’re not already registered and would like to work with us in the future fill out the registration form.

Need to refer a case?

Our mortgage desk are available to speak on the phone Monday to Friday: 8:30am to 6pm.

Call free: 0800 032 5282

Email: referrals@mercantiletrust.co.uk and one of the mortgage desk will give you a call to discuss.

Write to us: Mercantile Trust Limited, 2nd Floor, Cassiobury House, 11—19 Station Road, Watford, WD17 1AP

Our product range

Bridging loans

Our bridging loans are available from £25,000 to £500,000 (though we will consider more by referral) for up to 12 months. Whether your client is looking to buy a property at auction, bridge the gap between a purchase and sale, or just needs extra money for any other purpose, our first and second charge bridging loans could be ideal.

As a bridging loan lender we can provide the finance your client needs, with no redemption penalties or exit fee.

All of our bridging loan products have no Early Repayment Charges, daily interest, are available with either serviced or rolled interest and a negotiable lender fee.

Residential bridging loan

For when there are no works required, Loans available from £50,000 up to £500,000 as both a 1st and 2nd charge up to 75% LTV. Rates start from 0.75%.

Micro bridging loan

For smaller works, loans available from £25,000 up to £49,999 as either a first or a second charge. Our micro bridging loans are available up to 75% LTV and with rates from 1%.

Refurbishment bridging loan products

Our refurbishment range enables investors to undertake light to heavy refurbishments across all property types

Light refurbishment bridging loan

For works that don’t require planning, most suitable for investors looking to refresh a property i.e. kitchens, bathrooms, rewiring, plumbing, decorating etc. Loans available from £50,000 up to £500,000. Our light refurbishment bridging loans are available up to 75% LTV as either a 1st or a 2nd charge with rates starting at 0.85%.

Heavy refurbishment bridging loan

For properties that require significant structural improvements that require planning such as wraparound extensions, loft conversions etc. Loans available from £50,000 up to £500,000. Available as a 1st charge only, up to 75% LTV with rates from 1.15%.

All of our bridging products come with the ability to refinance to term.

Buy to let mortgages

We provide fast and flexible 1st and 2nd charge buy-to-let mortgages from £10,000 up to £500,000 over 3 to 25 years.

Whether your client is looking to purchase a new investment property or enhance a property within their portfolio, we are here to help you.

Need to refer a case?

Call free: 0800 032 5282

Email to referrals@mercantiletrust.co.uk and one of the mortgage desk will give you a call to discuss.

Lending process

The lending process is very simple. Head to the portal page and enter the case details. From there you’ll be able to download the application pack for your client.

Industry leading service and speed

Mercantile Trust pride ourselves on both the quality and speed of our service and place you, the intermediary at the heart of everything we do. As such please find our turnaround times listed below:

  • • Submissions received before 3pm will be worked the same day.
  • • Additional correspondence and documents will be worked the same day if received before 4pm.
  • • Referrals received will be worked within a two hour SLA

Who are Mercantile Trust?

Mercantile Trust are an independently owned specialist lender in buy to let mortgages and bridging loans.

We are part of the Norfolk Capital Group of companies, who have been providing financial solutions for over 30 years. We are members of the NACFB (National Association of Commercial Finance Brokers).

Our business is built on integrity and accountability, with the aim of building lifelong relationships with intermediaries and clients.

Each application is considered on its own individual merits. We pride ourselves on exceeding expectations and client satisfaction. We offer good sense and sound judgement in all lending decisions.

Meet the team

Director of Commercial Operations

Maeve Ward

Director of Commercial Operations

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Business Development Manager

Chris Waind

Business Development Manager

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Head of Intermediary Sales

Katie Wilsher-Garrett

Head of Intermediary Sales

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Internal Business Development Manager

Richard Yates

Internal Business Development Manager

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Internal Business Development Manager

Agnes Wojcik

Internal Business Development Manager

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Internal Business Development Manager

Tariq Ali

Internal Business Development Manager

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Internal Business Development Manager

Harriet Merriman

Internal Business Development Manager

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Senior Internal Business Development Manager

Sonu Anthony

Senior Internal Business Development Manager

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