About Mallard Bridging: UK Property Finance Specialists

Who We Are

Mallard Bridging is a specialist short-term property finance lender working with businesses, limited companies, partnerships, and property investors across England and Wales. We provide bridging finance from £25,250 to £8,000,000, secured against residential and commercial property held for business or investment purposes.

We exist for one reason: to fund property-backed deals quickly, price them transparently, and remove the friction that slows borrowers down when timing matters most.

Modern Manchester office interior representing the Mallard Bridging lending team

What We Do

Mallard Bridging provides business and investment property finance only. We do not offer personal loans, consumer credit, or residential mortgages for owner-occupation. Every facility we write supports a commercial or investment objective.

Typical purposes include:

Commercial property acquisition and business premises purchase
Buy-to-let and property portfolio investment
Property development and refurbishment for sale or rental income
Auction purchases against tight completion deadlines
Releasing equity from investment property for business cashflow
Bridging between the sale and purchase of investment assets

Borrowers come to us when conventional lending is too slow or too rigid for the deal in front of them. Our work spans straightforward first charge facilities through to multi-charge structures, and our guide to the different types of bridging loans explains how each is typically used.

How We Are Different

Three things shape how Mallard Bridging operates.

Direct access to decision-makers. There is no call centre and no automated queue between you and the people who assess and approve your facility. The individual who discusses your deal at enquiry stage is the same individual who sees it through to completion. That single point of contact means fewer misunderstandings and faster answers when a deal is time-sensitive.

Speed you can plan around. We aim for same-day initial assessments on every enquiry. For straightforward first charge deals with complete documentation, formal approval can follow within one to two working days. Funds have been released in as fast as 24 hours when all details are aligned, though most first-time borrowers with prepared documentation complete within five to seven working days. All timelines are subject to satisfactory valuation, documentation, and legal process. Our guide to fast bridging loans sets out the full timeline so expectations are clear from the outset.

Transparent, single-figure pricing. Setup fees, legal fees, valuation costs, and interest are rolled into one gross loan amount. You receive the net loan you need and repay a single gross figure at exit. There are no monthly payments during the term, no separate invoices for third-party costs, and no exit fees. A timely repayment discount is available when the facility is repaid on or before the agreed date. Pricing is individually assessed against factors such as loan-to-value, property type, borrower experience, and exit strategy, and your quote shows the complete cost picture before you commit.

Ready to Discuss Your Requirements?

Our bridging finance specialists are available Monday-Friday, 9:00 AM - 5:30 PM.

Call Us 0161 883 3708

Email contact@mallardbridging.co.uk

Book a Callback

Our Lending Approach

Mallard Bridging is built for borrowers who value certainty. We assess each case on its merits rather than forcing it through a fixed scorecard, and we are direct about what we can and cannot do so that nobody's time is wasted.

Valuations are carried out on a desktop basis, and the lender arranges the valuation as part of the process. Because all costs are included in the gross loan, there are no fee bills landing separately during the term. The exit strategy — typically refinance or sale — is discussed openly at the outset, and our guide to bridging loan exit strategies covers the routes most borrowers use.

Intermediaries and brokers are an important part of how we work. If you introduce property finance cases, our intermediary information page explains how to submit a deal and what to expect from the process.

Where We Lend

Mallard Bridging lends across England and Wales. We do not currently lend in Scotland, Northern Ireland, or the Republic of Ireland. Security can be residential or commercial property, provided the purpose of the borrowing is business or investment related rather than personal or owner-occupation.

England & Wales — we lend here Not available

Mallard Bridging lends across England and Wales only. Map data: Natural Earth (public domain).

Frequently Asked Questions

Is Mallard Bridging authorised or regulated by the FCA? No. Mallard Bridging is not authorised or regulated by the Financial Conduct Authority. We provide bridging loans and property finance for business and investment purposes only, and we do not offer consumer credit or residential mortgages for owner-occupation. This is a deliberate scope: unregulated business lending lets us move at the speed property deals demand while keeping our products clearly within a commercial and investment context.

Does Mallard Bridging give financial advice? No. We describe our products and processes factually and do not provide financial advice or recommend a particular course of action. Many borrowers find it worthwhile to take independent professional advice before securing debt against property.

Who does Mallard Bridging lend to? We lend to businesses, limited companies, partnerships, and investors for business and investment purposes. Typical uses include commercial property acquisition, buy-to-let investment, property development, and auction purchases.

How much can Mallard Bridging lend? We provide bridging facilities from £25,250 to £8,000,000, secured against residential and commercial property held for business or investment purposes.

Where does Mallard Bridging lend? We lend across England and Wales. We do not currently lend in Scotland, Northern Ireland, or the Republic of Ireland.

How fast can a deal complete? Funded in as fast as 24 hours when all details are aligned. Most straightforward first charge cases complete within five to seven working days, subject to valuation, documentation, and legal process.

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