What is property conversion financing?

Property conversion financing is a term used to describe the process of financing the conversion of a property from one use to another. It is a method of financing that is commonly used by property developers and investors to fund the conversion of properties that may not be suitable for their original intended use.

What can property conversion financing be used for?

Property conversion financing can be used for a wide range of property conversions, including the conversion of commercial properties into residential properties, the conversion of industrial properties into office spaces, and the conversion of residential properties into commercial properties. The financing process typically involves a number of steps, including the identification of the property, the development of a conversion plan, the acquisition of financing, and the execution of the conversion.

The first step in property conversion financing is the identification of the property that is to be converted. This typically involves a thorough analysis of the property, including its location, size, and condition. Once a suitable property has been identified, the next step is to develop a conversion plan.

The conversion plan outlines the proposed changes to the property, including any renovations, upgrades, or modifications that are necessary to convert the property into its new use. The plan should also include a timeline for the conversion, as well as an estimated budget for the project.

Once the conversion plan has been developed, the next step is to acquire financing for the project. There are a number of financing options available for property conversion projects, including bank loans, private equity, and crowdfunding.

Once financing has been secured, the final step in property conversion financing is to execute the conversion. This typically involves working with contractors, architects, and other professionals to complete the renovations and upgrades necessary to convert the property into its new use.

How is property conversion financing useful?

Property conversion financing is a valuable tool for property developers and investors who are looking to convert properties into new uses. The process involves identifying a suitable property, developing a conversion plan, acquiring financing, and executing the conversion. With the right financing and planning, property conversion projects can be a lucrative investment opportunity for those who are willing to take on the challenge.

We could help you arrange property conversion finance for all types of developments. This includes any type of property that is making change to its structure. Whether you are looking to change an industrial space into a gym, or converting an office into a block of flats, we could help.

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Our flexible approach


We are proud to be a lender who can deliver loans at a fast approach, to consumers. We make this possible by carrying out our own legal checks, in house for loans under 100k, within hours. We can offer automated valuations, which are available to produce financial solutions in an instant.

Mercantile Trust regularly help their customers carry out renovations with heavy refurbishment loans, by providing finance fast.

No minimum income

At Mercantile Trust, we put our customers at the forefront of what we do.

We offer top slicing, where we can use your personal income when carrying out affordability calculations. If your rental income does not cover your mortgage repayments, we will top up the remaining amount that you cannot cover so you are able to get the loan you require.

No Exit Fees

We want you to be in control of your finance.
With no early repayment or exit fees, Mercantile Trust will strive to find a loan to meet your financial requirements.

Our bridging loan criteria

We aim to help absolutely everyone, however there are certain criteria that must be met in order to make a successful application:

  • Unregulated bridging applications only
  • Rates from 0.99%
  • Up to 75% loan to value
  • Most property constructions accepted
  • No personal income requirement
  • No exit fees
  • Minimum property value £75k
  • Minimum advance £25k max £500k
  • Confirmation of exit required
  • Minimum of one buy to let or residential property required
  • Serviced and rolled interest available
  • No ERC (Early Repayment Charge)
  • First and second charge available