Intermediaries & Brokers: Partner with Mallard

Why Brokers and Intermediaries Choose Mallard Bridging

When your client's deal depends on speed, certainty, and transparent pricing, the lender behind the facility matters as much as the product itself. For brokers and intermediaries across England and Wales, Mallard Bridging offers a lending partnership built around one principle: making your job easier so your client gets funded without unnecessary friction.

We provide bridging finance from £25,250 to £8,000,000, secured against residential and commercial property for business and investment purposes. Every facility is structured so that all costs — setup fees, legal fees, valuation costs, and interest — are rolled into a single gross loan amount. Your client receives the net loan they need and repays one gross figure at exit. No monthly payments. No exit fees. No hidden charges appearing after drawdown.

This page explains how our intermediary service works, what deal types we support, and how to get your next case moving.

Direct Access to Decision-Makers

One of the most common frustrations intermediaries face with larger lenders is the distance between the person handling the enquiry and the person making the credit decision. Cases get passed through teams, re-explained to underwriters who were not on the original call, and delayed by internal handoffs that the broker cannot see or influence.

At Mallard Bridging, there is no call centre and no automation queue. When you telephone or email with a case, you speak directly to the people who assess and approve it. The individual who discusses your client's deal at the enquiry stage is the same individual who sees it through to completion. That single point of contact means fewer misunderstandings, faster answers to your questions, and no lost context between stages.

This matters most when deals are complex or time-sensitive. If your client is facing an auction deadline with 28 days to complete, or needs to settle an HMRC liability before enforcement action, the ability to pick up the phone and speak to someone who already knows the case eliminates delays that could cost the deal entirely.

Speed That Your Clients Can Rely On

Speed claims are common across the bridging sector, but what sets a genuinely fast lender apart is consistency. We aim for same-day initial assessments on every enquiry, and 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.

For your practice, this means you can submit a case in the morning and have an indicative decision before the end of the same business day. Your client knows where they stand. You know whether to progress the application or explore alternatives. Nobody is left waiting for a committee that meets next Thursday.

Our guide on fast bridging loans covers the full timeline breakdown so you can set accurate expectations with your clients from the outset.

Transparent Pricing With No Surprises

The pricing structure at Mallard Bridging is designed to eliminate the conversations no broker wants to have — the ones where unexpected costs appear after the client thought the deal was agreed.

Every facility is quoted as a gross loan amount that includes all costs: arrangement fees, legal fees, valuation, and retained interest for the full term. Your client receives the net amount they need and repays the single gross figure at exit. There are no monthly payment demands during the term, no separate invoices for third-party costs, and no exit fees whatsoever.

This transparency makes your role significantly easier. When you present terms to your client, the number on the page is the number they repay. There is nothing to discover later. For borrowers who repay on or before the agreed date, a timely repayment discount provides an additional incentive — and an additional selling point when you present the facility.

For a detailed breakdown of how costs work in bridging finance, direct your clients to our costs and fees guide.

Deal Types We Support

Mallard Bridging considers a broad range of business and investment lending scenarios. The following list covers the most common deal types intermediaries bring to us, though it is not exhaustive — if your client's situation does not fit neatly into a category, call us to discuss it.

Every deal is assessed on its individual merits. We look at the property, the exit strategy, and the overall viability of the proposal rather than applying rigid tick-box criteria. If the fundamentals are sound, we find a way to make it work.

Understanding the different types of bridging loans helps when positioning the right product for your client's circumstances.

Property Types Accepted

The range of acceptable security is broader than many intermediaries expect. We consider:

• Standard residential investment property (houses, flats, maisonettes)
• Houses in multiple occupation (HMOs)
• Mixed-use properties (residential above commercial)
• Office buildings and business parks
• Retail units and high street premises
• Industrial and warehouse space
• Land with planning permission
• Semi-commercial properties
• Properties requiring light to medium refurbishment
• Non-standard construction in certain circumstances

All lending is restricted to property located in England and Wales. We do not currently lend against property in Scotland or Northern Ireland.

How to Submit a Case

Getting a case in front of us takes minutes, not hours. Call during business hours and you will speak directly to someone who can assess the deal immediately, or email the details at any time for a same-day response.

What We Need to Assess a Deal

To provide a meaningful initial assessment, the following information is helpful:

• Loan amount required (net figure your client needs)
• Property details — type, location, approximate value, and current use
• Purpose of the facility — purchase, refinance, equity release, tax settlement, or other business purpose
• Charge position — first, second, or third charge
• Exit strategy — how your client intends to repay (sale, refinance, or other)
• Timeline — any deadlines driving the urgency (auction dates, HMRC deadlines, exchange dates)
• Borrowing entity — individual, limited company, LLP, or other corporate structure

You do not need a complete application pack to get started. An initial telephone conversation or email covering the basics is enough for us to confirm whether the deal is viable and provide indicative terms. The formal documentation follows once both sides are satisfied the deal works.

The Intermediary Experience

Working with a lender as an intermediary involves more than submitting cases and receiving offers. The ongoing relationship determines whether you continue to place business there. Here is what the experience looks like with Mallard Bridging:

Building a Long-Term Referral Relationship

Many of the intermediaries who work with Mallard Bridging return repeatedly because the service is consistent. The first deal establishes how we work together; subsequent cases benefit from that established understanding.

For repeat referrals, the process becomes faster. We already understand the intermediary's client profile, their typical deal structures, and their preferred communication style. Cases from established intermediary partners often move through assessment more quickly because the working relationship is already in place.

There is no minimum volume requirement and no expectation that intermediaries place a certain number of cases per year. Whether you have one bridging case every quarter or several each month, the service level remains the same. Every deal matters, regardless of size or frequency.

Exit Strategies Your Clients Can Plan Around

A strong exit strategy is central to every bridging facility. Many intermediaries find it helpful to discuss the exit with us at the enquiry stage, particularly where the client's plan involves refinancing or a property sale that may take longer than initially expected.

Common exit routes include:

• Property sale — selling the secured asset or another property to repay the facility
• Refinance — moving to a longer-term buy-to-let mortgage or commercial loan
• Business income — repaying from trading profits or contract payments
• Alternative asset sale — liquidating other investments to clear the balance

For a comprehensive overview, our guide on bridging loan exit strategies covers each route in detail and explains what lenders look for when assessing viability.

Facility Range and Lending Criteria

Mallard Bridging provides facilities from £25,250 to £8,000,000, secured against property in England and Wales. Lending is for business and investment purposes only — we do not provide consumer credit or residential mortgages for owner-occupation.

Key lending parameters:

• Facility range: £25,250 to £8,000,000
• Term: Typically 1 to 24 months
• Charge position: First, second, or third charge considered
• Pricing: Individually assessed based on LTV, property type, charge position, and exit strategy
• Costs: All fees, legal costs, valuation, and interest rolled into the gross loan
• Monthly payments: None — interest is retained and repaid at exit
• Exit fees: None — £0 on every facility
• Geography: England and Wales only
• Purpose: Business and investment use only

Mallard Bridging is not authorised or regulated by the Financial Conduct Authority. We do not offer regulated bridging loans or any form of consumer credit.

Frequently Asked Questions From Intermediaries

Beyond the common questions covered above, intermediaries often ask about the practical details of working with us.

Can my client borrow through a limited company or SPV? Yes. We lend to individuals, limited companies, LLPs, and special purpose vehicles. Corporate borrowing is common for portfolio investors and development projects.

What loan-to-value ratios are available? LTV is assessed on a case-by-case basis depending on the property type, condition, and overall deal structure. Discuss the specific scenario with us for an accurate indication.

Do you require a personal guarantee? This depends on the borrowing structure. For limited company borrowers, a personal guarantee from directors is typically required. For individual borrowers, the property security itself is the primary consideration.

What happens if my client needs to extend the term? Facility extensions are considered on their merits. If the exit strategy remains sound but needs additional time, we work with the borrower and intermediary to find a practical solution rather than applying punitive charges.

Is there a minimum or maximum property value? There is no fixed minimum property value, though the property must provide adequate security for the loan requested. Maximum property values are not capped — we assess each deal individually.