Here’s why brokers are choosing our 2nd Charge Buy to Let Mortgages
- Smaller loan sizes from £10,000
- Free legals: All second charges in England, Wales, and Scotland for both personal and LTD borrowers, we handle the legal work in-house — saving your clients time and money.
- Personal & Limited company borrowers accepted
- Available on: Holiday Lets, HMOs, MUFB, and Student Let
- Homeowner Business Loans available
- Max LTV: Up to 75%
- A flat DSCR 125% regardless of tax bracket
- Available nationwide: England, Scotland, Wales & Northern Ireland
- 5 years fixed rate no early repayment costs (ERCs)
- Capital repayment or interest only
- No minimum income required
We also offer a Packaged Completion Service (£999 added to the loan), This is where we take the stress away from you. From client communications to third-party requirements—such as ordering valuations, obtaining consents, ordering or requesting mortgage questionnaires, Land Registry checks, running AVMs, and carrying out credit searches—we manage it all, keeping you updated every step of the way.
Vicky.Osullivan@
01923 280116
nina.kainth@mercantiletrust.
01923280297