Our Story
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 customers
We’re here for anyone who needs flexible and tailored loan solutions. Whether you have complex income, have imperfect credit, are employed or self-employed, or need faster access to funds than a high street lender can offer — we’re here to help.
As a specialist in Buy to Let and Bridging Loans, our experienced advisors use their expertise and common sense to find the solution that works best for you.
Why choose Mercantile Trust
At Mercantile Trust, we pride ourselves on our personal touch. Rather than relying solely on rigid formulas, algorithms, or automated decision-making processes, we take a common-sense approach to assessing your unique situation. We take the time to understand each customer’s financial circumstances, providing flexible and fast solutions to meet even the most complex needs.
Whether you’re looking for a First or Second Charge Buy to Let Mortgage or Bridging Loan we’re here to help.
Our Values
Trust:
Sustainable careers for our people. Confidence in our work for customers and partners.
Transparency:
We are forthright and clear: no hidden costs, no surprise product terms.
Equality:
Everyone is treated equally regardless of age, gender, race or sexuality.
Humility:
We let the quality of what we do and our values speak for us.
Integrity:
Our customer’s faith in our service should prevail throughout their business life.
Fairness:
We will not recommend an unsuitable product for any reason.
Service:
Knowledge. Dedication. Commitment. Passion
Honesty:
We will only recommend a product that benefits our customers.
Trust
Sustainable careers for our people. Confidence in our work for customers and partners.
Transparency
We are forthright and clear: no hidden costs, no surprise product terms.
Equality
Everyone is treated equally regardless of age, gender, race or sexuality.
Humility
We let the quality of what we do and our values speak for us.
Integrity
Our customer’s faith in our service should prevail throughout their business life.
Fairness
We will not recommend an unsuitable product for any reason.
Service
Knowledge. Dedication. Commitment. Passion
Honesty
We will only recommend a product that benefits our customers.
What our customers think about us:
We received the Feefo 2025 Gold Trusted Service Award! This recognition highlights our commitment to delivering outstanding customer service throughout the year. To learn more about our services, read our customers’ reviews.
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