Mercantile Trust

Mercantile Trust We provide buy to let mortgages, homeowner business loans and bridging loans. We offer 1st and 2nd charges.

Mercantile Trust are an independently owned specialist lender in Buy to Let Mortgages, Homeowner Business Loans and Bridging Loans. We are part of the Norfolk Capital Group of Companies that have been providing loans for over 30 years.We aim to help everyone, our clients include people with excellent credit profiles, to people with adverse, poor or even bad credit profiles. We approach each client

’s case without judgement and endeavour to provide the best outcome possible.Our business is built on integrity and accountability, with the aim of building lifelong relationships with our clients. We offer a flexible approach to underwriting and have a team of experts ready to help you

Have a client looking to purchase or refinance a holiday let?At Mercantile Trust, we can consider first and second charg...
27/08/2026

Have a client looking to purchase or refinance a holiday let?

At Mercantile Trust, we can consider first and second charge holiday let mortgages for individuals and limited companies.

We may also consider rental income evidence from Airbnb, Booking.com and recognised holiday letting agents.

Our latest Airbnb and Holiday Let Mortgage Guide covers:

• How holiday let mortgages work
• What lenders may consider when assessing rental income
• Ways investors can improve occupancy and net returns
• Important costs, rules and risks to consider

Read the guide:
https://www.mercantiletrust.co.uk/resources/product-guides/airbnb-and-holiday-let-mortgage-guide

Have a holiday let case to discuss?

📞 Get in touch with our team to discuss your case.

☎️ Nina Kainth (Head of Sales): 07562 209858 or email [email protected]

☎️ Vicky O'Sullivan (Senior BDM): 01923 280116 or email [email protected]

☎️ Ahmad Ali (BDM): 01923280274 or email [email protected]
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A cupcake is always appreciated, but this one meant a little more. 🧁 One of our customers sent us this lovely thank-you ...
20/08/2026

A cupcake is always appreciated, but this one meant a little more. 🧁

One of our customers sent us this lovely thank-you after we helped her secure further funding when additional work was discovered during the renovation of her property.

The case wasn’t straightforward. There were challenges around her changing circumstances, affordability and rental income. Rather than refinancing her entire existing loan at a higher rate, we structured the additional borrowing so she could keep the original rate on her existing balance, with the new rate applying only to the extra funds.

By taking the time to understand the full picture and considering rental income from another property, our team found a way forward.

It took patience, collaboration and common-sense underwriting, but we got there in the end.

Thank you for such a thoughtful gift. We’re delighted we could help keep your renovation moving. 💚

𝗖𝗼𝘂𝗹𝗱 𝘁𝗵𝗲 𝗲𝗾𝘂𝗶𝘁𝘆 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗴𝗿𝗼𝘄 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀?An established childcare business owner needed capital to inve...
19/08/2026

𝗖𝗼𝘂𝗹𝗱 𝘁𝗵𝗲 𝗲𝗾𝘂𝗶𝘁𝘆 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗴𝗿𝗼𝘄 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀?

An established childcare business owner needed capital to invest in and expand their business while repaying an existing second charge.

We arranged a £246,885 second charge Homeowner Business Loan over 18 months, with:

• Rolled-up interest
• No legal fees
• No early repayment charges
• The flexibility to repay the loan early

The customer plans to repay the loan by refinancing their home, with additional options available through their buy-to-let properties or business profits.

Looking to raise funds for your business using the equity in your home?

Speak to our team to discuss your circumstances and explore the options available.

Read more: https://www.mercantiletrust.co.uk/resources/case-studies/case-study-how-a-homeowner-business-loan-funded-childcare-business-growth

July’s Excellence award goes to Alex Ellis-Wilson! 👏Alex has been an absolute hero behind the scenes, turning around web...
04/08/2026

July’s Excellence award goes to Alex Ellis-Wilson! 👏

Alex has been an absolute hero behind the scenes, turning around website changes incredibly quickly while consistently delivering fantastic-quality work.

His support has helped Shideh implement many important improvements to the website, which have already made a real difference to its performance over the past few weeks.

Alex is a true group team player, always helpful, reliable and ready to support his colleagues.

A very well-deserved recognition. Thank you, Alex, for all your hard work! 🌟

A great day ahead at the New Leaf Summer Expo in Tring!We’re delighted to be attending as a lending partner and are look...
09/07/2026

A great day ahead at the New Leaf Summer Expo in Tring!

We’re delighted to be attending as a lending partner and are looking forward to meeting advisers, catching up with familiar faces, and introducing more people to the Mercantile Trust proposition. Whether you’d like to discuss a case, explore our lending solutions, or simply have a chat, we’d love to see you.

We’re also proud to be sponsoring one of this evening’s awards and can’t wait to celebrate the fantastic achievements across the network.

If you’re at the expo today, come and say hello at our stand. See you there!

Great to meet the Forecast Finance Ltd team in Birmingham yesterday. Nina had productive discussions around 1st and 2nd ...
25/06/2026

Great to meet the Forecast Finance Ltd team in Birmingham yesterday.

Nina had productive discussions around 1st and 2nd charge bridging loans and the opportunities where Mercantile Trust can support their clients with flexible funding solutions.

We are looking forward to getting this relationship started and seeing what we can achieve together.

Huge thanks to: David Pinnington and Melanie Johnson

And a special thank you to TMG Mortgage Network and Danny Belton for helping bring the conversation together.

If you would like to arrange a meeting with Nina, either face to face or online, please get in touch with her directly.

☎️ Nina Kainth (Head of Sales): 07562 209858 or email [email protected]

💻 www.mercantiletrust.co.uk

Nina had a great day visiting Money CornerShop last week.It was a pleasure meeting the new starters and discussing how M...
23/06/2026

Nina had a great day visiting Money CornerShop last week.

It was a pleasure meeting the new starters and discussing how Mercantile Trust can support them with 1st and 2nd charge bridging loans, as well as buy-to-let mortgage solutions.

A special thank you to Dom Patel and Harry S Kang for the warm welcome.

If you would like to arrange a meeting with Nina, either face to face or online, please get in touch with her directly.

☎️ Nina Kainth (Head of Sales): 07562 209858 or email [email protected]

💻 www.mercantiletrust.co.uk

We’re at the NACFB Expo today at the NEC Birmingham on Stand W03.If you’re attending, come and say hello – we’d love to ...
10/06/2026

We’re at the NACFB Expo today at the NEC Birmingham on Stand W03.

If you’re attending, come and say hello – we’d love to meet you and discuss how Mercantile Trust can support your lending needs.

10/06/2026

We’re at the NACFB Expo at the NEC Birmingham, stand W03. If you are visiting, come and say hello!

Address

Office 2, 1st Floor, Axis, 2 Rhodes Way, WD24 4YW
Watford
WD171AP

Opening Hours

Monday 8:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm

Telephone

+448000323737

Website

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