Mercantile Trust
Specialist LenderMercantile Trust is a London-based property finance provider offering bridging loans and short-term lending for residential and commercial assets. The lender focuses on reliability and certainty of execution, serving property professionals through intermediary channels.
About Mercantile Trust
Mercantile Trust is a specialist property finance provider headquartered in London, offering bridging loans and short-term lending solutions for residential and commercial property. The lender was established to provide dependable, flexible funding for property professionals who value certainty of execution. Mercantile Trust works across England and Wales on a range of property types.
Mercantile Trust offers first charge bridging loans for property acquisitions, refinances, and refurbishment projects. The lender has particular expertise in financing complex residential and commercial deals where traditional lenders may be unable to act. Mercantile Trust's underwriting team takes a commercial view of each transaction, focusing on the overall merits of the deal.
Mercantile Trust works with broker partners across the UK and is known for keeping commitments and delivering on agreed terms. The lender maintains clear communication throughout the deal process and aims to provide a reliable funding experience for both brokers and borrowers.
Lending Focus
Mercantile Trust offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- First charge bridging for residential and commercial property
- Commercial underwriting approach focused on deal merits
- Reliable execution with strong commitment to agreed terms
- Covers acquisitions, refinances, and refurbishment projects
- Clear communication maintained throughout the deal lifecycle
Pros & Cons
Pros
- Strong reputation for reliable execution and keeping commitments
- Commercial underwriting approach — focuses on overall deal merits
- Experienced with complex residential and commercial transactions
- Clear, consistent communication throughout the process
Cons
- –Broker-only — cannot apply directly
- –Maximum LTV of 70% is conservative compared to some lenders
- –No development finance or long-term products
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — arranged through approved valuers
- Early Repayment Charge
- No ERC — interest on the full term or minimum period
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Mercantile Trust
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks from date of offer
Lending Criteria
- Maximum LTV
- 70%
Frequently Asked Questions
What is the maximum bridging loan from Mercantile Trust?
Mercantile Trust offers bridging loans at up to 70% LTV. Maximum loan amounts vary depending on the property type and location — speak with your broker for specific guidance.
Does Mercantile Trust lend on commercial property?
Yes, Mercantile Trust provides bridging finance secured against both residential and commercial property, including offices, retail, and mixed-use premises across England and Wales.
How quickly can Mercantile Trust complete a bridging loan?
Mercantile Trust typically completes within 2 to 4 weeks from application, subject to the speed of valuation and legal processes.
Does Mercantile Trust offer refurbishment finance?
Yes, Mercantile Trust can fund light refurbishment projects through its bridging loan products, with drawdowns structured to suit the scope of works.
How to Apply
Broker only. Mercantile Trust products are available through mortgage brokers. Find a broker with Mercantile Trust on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| 4SYTE | Commercial, Bridging, Limited Company | Specialist | 75% |
| Clearwell Capital | Commercial, Bridging, Limited Company | Specialist | 75% |
| Close Brothers Property Finance | Commercial, Bridging, Development+1 | Specialist | 60% |
| Fox Funding | Commercial, Bridging, Development+1 | Specialist | 75% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
Commercial Mortgage Advances Rise by 3% in Q3 2026
Commercial mortgage advances have increased by 3% in Q3 2026, indicating a growing market for semi-commercial properties.
Alternative Commercial Mortgages: New Options for Brokers
Alternative Bridging Corporation launches ACM, offering long-term commercial mortgage solutions for brokers and property investors.
Metro Bank’s Specialist Mortgage Lending in the Market
Metro Bank reports a 73% increase in specialist mortgage lending, impacting borrowers and investors in the UK mortgage market.
Semi-Commercial Mortgage Lending Forecast to Exceed £1 Billion
The UK semi-commercial mortgage market is set to exceed £1 billion by 2026, benefiting landlords and investors seeking financing.
On this page
Need help choosing a broker?
Get matched with relevant advisers.
Sample adviser photos for illustration.
100% free No obligation FCA Brokers only
View Lenders
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice.Always verify lender details directly and seek independent advice before making financial decisions.
Social Media
Follow Mercantile Trust on social media for updates and insights.