How much do you want to borrow? £50,000
Over how many years? 10 Years
3 Years
25 Years

Welcome to Property Tribes members

We are pleased to be working with the Property Tribes community. More information about our specialist buy to let mortgages can be found below.

Buy to let mortgage criteria

  • No min or max personal income requirements
  • Lending decision often made in one call
  • Mortgage term can be between 3 and 25 years
  • Most property constructions accepted
  • Individual and limited companies accepted
  • HMO's (Houses in Multiple Occupation) accepted
  • Settling loan early? Only £245 discharge fee
  • Applicants must be at least 18 years old
  • Mortgage term must end by your 80th birthday
  • Residential loan: rent must cover monthly payment at 125%
  • Affordability calculation uses a stress rate of which is pay rate +1%
  • No consumer buy to lets
  • Tenants must not be related to you
  • 12 months mortgage or rental history required

Who are we?

Mercantile Trust is an independently owned, specialist lender. We offer buy to let mortgages, commercial mortgages and bridging loans.

We are part of Norfolk Capital Group who have been providing clients financial solutions since 1988.

We pride ourselves on exceeding client expectations and ensuring the highest level of client satisfaction.

When working with us you can expect a personal and efficient service, tailored to your needs.

Great reasons to choose Mercantile Trust

Borrow direct - no broker fees

Individuals and limited companies accepted

Properties in England, mainland Scotland, Wales and Northern Ireland


A buy to let mortgage is a type of loan offered for the purchase or refinancing of a residential property. The difference between a buy to let and a regular mortgage, is that the property is then rented out to tenants, rather than lived in by the owner.

Yes, Mercantile Trust can provide you with a buy to let mortgage for a HMO property. We have no limit on the amount of rooms and can also accept top-sliced properties.

1st charges Buy to Let mortgages can have a maximum value of £500,000 and 2nd charge Buy to Let mortgages can have a maximum value of £250,000 and a maximum LTV of 75%.

Yes, Mercantile Trust allows applicants to have current or previous credit issues, we advise you to get in touch so we can evaluate your specific case, but we can make exceptions for any two of the following:

One missed mortgage payment or secured loan arrear in the past 12 months.

One default or CCJ against you.

Three missed payments on a credit card, an unsecured loan, or on a utility bill.

Yes, you’re welcome to apply for a buy to let mortgage as either a limited company or as an individual. Portfolio landlords are also welcome to apply.

As easy as 1,2,3


Send us your details for an advisor call back, or call us to discuss your application  


Our advisers will discuss your needs and circumstances 


You could get a lending decision with just one call

Please note that in order to assess your application and provide you with an accurate quote, we will request further information from you on submission of your application. Calls may be recorded for training and monitoring purposes.