Bridging Loans: Why Mallard Bridging?

Choosing a bridging lender is as much about certainty and transparency as it is about the rate. When time is short and the deal matters, knowing exactly what you will pay — and what you will not pay — makes the difference between a confident decision and an anxious one.

This page sets out what Mallard Bridging offers that many competitors do not, and why property investors and business owners across England and Wales return to us for repeat facilities.

£0 Exit Fees

Many bridging lenders charge an exit fee when the loan is repaid — typically 1% to 2% of the loan amount. On a £500,000 facility, that is £5,000 to £10,000 added to the cost at the point of repayment, sometimes as an unwelcome surprise.

Mallard Bridging charges nothing at exit. When you repay the facility, the amount you owe is the gross figure agreed at the outset. No additional percentage, no administration charge, no settlement fee.

This makes the total cost of borrowing predictable from day one. The indicative terms you receive before committing show the full picture.

All Costs Rolled Into One Amount

At Mallard Bridging, every cost associated with the facility is included in a single gross loan amount:

• Setup fees — rolled in
• Legal fees — rolled in
• Valuation costs — rolled in
• Interest for the full term — rolled in

You receive the net loan — the cash amount you need — and repay the gross loan at exit. There are no monthly invoices, no separate fee demands, and no instalments during the term. One amount in, one amount out.

This structure means there is no need to budget for individual fee items or manage multiple payment dates. Everything is contained in the single figure shown on your indicative terms.

Timely Repayment Discount

Borrowers who repay on or before the agreed term date benefit from a reduced total cost. This timely repayment discount rewards efficient execution of your exit strategy.

If you plan to refinance onto a longer-term mortgage or complete a property sale ahead of schedule, the saving can be meaningful — particularly on larger facilities or longer terms.

No Monthly Payments

Traditional lenders require monthly interest payments throughout the loan term. This creates ongoing cashflow pressure, especially for business owners managing multiple commitments.

With Mallard Bridging, interest is rolled up and repaid at exit alongside the principal and fees. During the term, you make zero monthly payments. This frees up working capital for the project or opportunity that prompted the borrowing in the first place.

Same-Day Decisions

Time kills deals. Mallard Bridging provides initial decisions within one working day, and in many cases within hours of receiving the basic details.

For repeat clients with information on file, funds can be released in as fast as 24 hours. Prepared new borrowers with complete documentation typically complete within 48 hours for straightforward first charge deals, subject to satisfactory valuation, documentation, and legal process.

This speed is particularly valuable for auction purchases with 28-day completion deadlines, time-sensitive acquisitions where a competing buyer is circling, and urgent HMRC settlements where penalties escalate daily.

Flexible Property Criteria

Many lenders work to a narrow set of acceptable property types. Mallard Bridging takes a pragmatic approach to security, accepting:

• Buy-to-let residential (single units and portfolios)
• HMOs (licensed and unlicensed)
• Commercial premises (offices, retail, industrial, warehouses)
• Mixed-use buildings
• Hotel and leisure properties
• Semi-commercial assets
• Land with planning permission
• Properties requiring refurbishment

This breadth means transactions that high-street lenders decline are often straightforward for us. See our guide to how bridging loans work for more on acceptable security types.

Facilities From £25,250 to £8,000,000

Mallard Bridging lends from £25,250 up to £8,000,000, covering everything from a modest working capital injection to a multi-million-pound commercial acquisition.

The lower threshold of £25,250 reflects the point above which business lending falls outside consumer credit regulation, ensuring all our facilities are structured appropriately for business and investment purposes.

Who Chooses Mallard Bridging?

Our borrowers share common priorities: they need certainty, speed, and a lender who communicates clearly. Typical clients include:

• Portfolio landlords expanding their property holdings
• Property developers funding acquisitions and refurbishments
• Business owners releasing equity for working capital or tax obligations
• Auction buyers requiring guaranteed completion within 28 days
• Experienced investors arranging repeat facilities for new opportunities

Many clients return for multiple facilities. The transparent pricing model and absence of exit fees means the total cost is known before commitment, making it straightforward to model the economics of each deal in advance.

How It Compares

Competitor features are general market observations and vary by lender.