Case Study: Quick Bridging Loan Completed in Just 8 Working Days

Client: Experienced Landlord
Product: Short-Term Bridging Loan (Equitable Bridge)
Loan Amount: £86,000
Completion Time: 8 working days

The Challenge

Our client — an experienced landlord with several properties — wanted to buy another investment but needed funds fast. Rather than remortgaging or selling anything, they needed a short-term loan to raise cash quickly and keep their portfolio growing.

The Solution

The broker came to us for a bridging loan, and chose to use our packaging service, meaning we handled everything from start to finish in-house. This made the process smoother and much faster.

The original plan was to borrow £75,000, but after looking at the property’s value, we were able to increase the loan to £86,000, giving them extra funds to make the most of their investment.

To save time, we used an Automated Valuation Model (AVM) — a digital property valuation — instead of waiting for a physical valuation. And because this was an Equitable Bridge, there was no consent needed from the existing mortgage lender, helping us complete even faster.

The Result

• Completed in just 8 working days
• Loan increased from £75,000 to £86,000
• No consent needed – fewer delays
• All handled in-house for a smooth, stress-free process

The client got their funds quickly and was able to go ahead with their new purchase right away. As a returning customer, they once again experienced how flexible and responsive our team can be when time is of the essence.

Why It Matters

This case shows how a bridging loan can be a simple, fast way to raise funds when you need them — whether it’s to buy a new property, refurbish one, or release equity for another project.

At Mercantile Trust, we take a common-sense approach and focus on speed, flexibility, and clear communication.

Need funds fast?

We can help you access short-term finance quickly and easily.
Contact us today to discuss your plans.