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Who are we?
Our journey began in 1988 when our parent company, Norfolk Capital Group, commenced trading within the financial services sector. By providing solutions for both consumers and Small and Medium-sized Enterprises (SMEs), the company quickly established itself as a trusted name in the industry. As demand for diverse financial solutions grew, Mercantile Trust was founded in 2016 to support individuals with complex financial situations. Since then, we have been committed to offering quick, straightforward, and flexible lending options tailored to our customers’ needs. We operate as a direct lender while also working closely with intermediaries to deliver the best financial solutions for their clients.
Our products
Common sense lending
As a direct lender, we’ll work with you from start to finish. Throughout the process, we use common sense to evaluate and approve loans. Each application is assessed by a member of our team—not a computer.
We take the time to understand your circumstances. Rather than just looking at the numbers, we look at the full story. We know that life happens, and there’s more to you than a credit score or a recent payslip. If you’ve had credit issues in the past, we may still be able to help.
Ready to enquire?
Looking for a quick, straightforward, and flexible lending solution tailored to your needs?
We're here with our common sense lending approach to help you.
Straightforward application process
You can simply fill out the enquiry form or call us to discuss your needs.
Quick transactions
We can get the funds you need in your bank account in a matter of days.
Flexible solutions
We offer flexible solutions for your complex needs.
26 June 2025
Can I Borrow a Bridging Loan with a Limited Company?
Need fast property finance? Limited companies can access bridging loans quickly—ideal for auctions, refurbishments, or time-sensitive deals.
13 May 2025
How many applicants can you have on a Buy-to-Let or Bridging Loan in the UK?
When applying for a buy-to-let or bridging loan in the UK, the number of applicants allowed can impact how you structure your deal.
7 May 2025
First Charge Buy-to-Let Mortgages: A complete guide for property investors
This guide outlines the key concepts, eligibility criteria, lending process, and considerations associated with first charge BTL lending.
4 April 2025
From rental income to capital growth: Why Buy to Let is a winning strategy for landlords
Thinking about investing in property? Buy to Let remains one of the most reliable and rewarding strategies for landlords looking to grow their wealth.
26 March 2025
A complete guide to Homeowner Business Loans
Ready to unlock the power of your home equity? Read our guide to learn how!
17 March 2025
HMO Mortgages: The ultimate guide for landlords
Thinking about investing in an HMO property? This guide covers everything you need to know about HMO mortgages!
11 March 2025
Product Guide | Buy to Let Mortgages
First-time investor or seasoned landlord? Learn how buy-to-let mortgages work to make smart decisions and boost your rental income.
10 February 2025
Second Charge Loans explained: How they work & when to use one
This guide explores how second charge loans work, their benefits, risks, and who they’re best suited for.
21 January 2025
Product Guide | Understanding Holiday Let Mortgages
This guide explains what holiday let mortgages are, how they work, and how you can make the most of them to maximise your investment potential.
16 December 2024
How bridging offers flexibility
Bridging loans are a short-term financing option, designed to "bridge" the gap between a financial need whilst long-term finance is being arranged.
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