What is the Spring Offer 2026?

Mallard Bridging is reducing the cost of borrowing by 10% on every bridging facility of £75,000 or more taken over a term of 10 months or longer and approved during the offer window. The discount is applied to the interest portion of the indicative total shown by the calculator and confirmed in writing on your formal terms.

When does the Spring Offer 2026 end?

The offer applies where first contact is received on or before 23:59 BST on Friday 19 June 2026. First contact includes a phone call, email, online enquiry form, or scheduled callback request. Deals that are drawn down after this date remain eligible provided first contact fell within the window.

Are there limits on how many deals one borrower can take?

No. There is no cap on the number of facilities a single borrower or company can take during the offer window. Each deal is assessed individually and the 10% reduction is applied to each one.

Does the Spring Offer combine with the timely repayment discount?

Yes. If you repay your facility on or before the agreed date, the timely repayment discount applies on top of the Spring Offer reduction. Both incentives stack. The timely repayment discount is also available on facilities that fall outside the Spring Offer window — including terms shorter than 10 months — and applies to any Mallard Bridging facility repaid on or before the agreed date.

Is this a regulated bridging product?

No. Mallard Bridging does not offer regulated bridging loans and is not authorised or regulated by the Financial Conduct Authority. All facilities are for business and investment purposes only. We do not lend for personal or owner-occupied residential use.

How does the 10% reduction work in practice?

The calculator shows an indicative total repayable made up of your principal plus a cost of borrowing. The Spring Offer takes 10% off that cost of borrowing, not the principal. For an indicative £100,000 facility over 12 months, the calculator shows a cost of borrowing of £40,000 and a total of £140,000; the Spring Offer reduces the cost of borrowing by £4,000, giving an indicative Spring Offer total of £136,000. Final pricing is set in writing on your formal terms after underwriting and valuation.

Is approval automatic during the offer window?

No. Mallard Bridging reserves the right to decline any application at its sole discretion. Every facility remains subject to underwriting, valuation, satisfactory documentation, and a clear exit strategy. The Spring Offer is a price reduction on approved deals, not a commitment to approve every enquiry.

How fast can I receive funds during the offer?

Money in your bank within two working days* of approval, where all case details are aligned. Most straightforward first charge facilities complete within five to seven working days. Speed depends on valuation access, identification checks, title position, and exit clarity. *Subject to case alignment.

Can intermediaries and brokers introduce cases during the offer?

Yes. The Spring Offer applies to introduced cases on the same terms. Intermediary fees are unaffected and continue to be paid on completion of every funded deal. Submit cases by phone or email.

Spring Offer 2026: 10% Off Your Cost of Borrowing

A straightforward 10% reduction on your cost of borrowing

The Spring Offer 2026 reduces the cost of borrowing on every Mallard Bridging facility of £75,000 or more taken over a term of 10 months or longer by 10%, where first contact reaches us on or before Friday 19 June 2026.

There is no cap on the number of facilities a single borrower can take during the window. The calculator on this page already includes the reduction — use the sliders to see your indicative total repayable*.

This page sets out exactly how the offer works, who it applies to, and the terms that sit alongside it. There is no small print designed to take the discount back later.

See the Spring Offer applied to your numbers

Loan Amount

£75,000

Loan Duration

10 months

Money in your bank by —^*

Total repayable £100,000^*

all fees included · repay early, pay less

Alternatively, email or call us

^*Indicative. Subject to individual assessment and processing times. Your property may be at risk.

*the figure shown is what your indicative total repayable becomes once the Spring Offer is applied to the cost-of-borrowing portion.

How the 10% reduction works

Every Mallard Bridging facility has two components: the principal (the amount you borrow) and the cost of borrowing (the amount added on top, made up of interest and rolled-in fees). The calculator shows both as a single indicative total repayable.

The Spring Offer takes 10% off the cost of borrowing only. The principal is not discounted — it's the amount we actually pay across to you. The saving comes from reducing what you pay on top of that principal at exit.

A worked example, using the calculator's flat illustration:

Loan amount (principal): £100,000
Term: 12 months
Indicative cost of borrowing (calculator): £40,000
Indicative total repayable (calculator): £140,000
Spring Offer reduction (10% of cost of borrowing): −£4,000
Spring Offer total repayable: £136,000

This is an illustration, not a formal quote. Final pricing on every facility is set in writing on your terms document after underwriting and valuation. The 10% reduction is applied to the cost-of-borrowing portion of that final figure in the same way.

Modern UK commercial property exterior in spring morning light with fresh foliage

Who the Spring Offer is for

The Spring Offer is open to anyone borrowing for a business or investment purpose:

Property investors — buy-to-let purchases, portfolio expansion, HMO conversions, refurbishment for rental income
Auction buyers — deposits and completion funds against tight 28-day deadlines
Developers — light to medium refurbishment intended for sale or rental
Commercial buyers — offices, retail units, warehouses, mixed-use buildings
Existing owners — releasing equity for further investment, business cashflow, or HMRC settlement
Intermediaries — brokers and introducers placing eligible cases on behalf of clients

The offer does not apply to personal use, owner-occupied residential mortgages, or consumer credit. Mallard Bridging does not lend for these purposes at any time.

Money in your bank within two working days

The funding speed Mallard Bridging is known for continues to apply during the Spring Offer:

Same-day initial decisions on most enquiries received during business hours
Money in your bank within two working days of approval where all case details are aligned*
Most first charge facilities complete in five to seven working days
Direct access to decision-makers — no call centre, no automation queue

*Speed depends on valuation access, identification checks, title position, and exit strategy clarity. Some deals take longer where additional information is needed. Money-in-bank timelines are indicative and depend on case alignment.

Indicative bridging loan terms document on a desk with fountain pen and spring plant

Stacking with the timely repayment discount

The Spring Offer reduces the cost-of-borrowing portion on your formal terms by 10%. If you then repay on or before the agreed date, the timely repayment discount applies on top.

The two incentives reward different behaviours: the Spring Offer rewards taking out a £75,000+ facility over 10 months or longer during the promotional window, and the timely repayment discount rewards executing your exit strategy on time. Both can apply to the same deal — and the timely repayment discount is also available on shorter facilities that fall outside the Spring Offer window.

For background on how the timely repayment discount works alongside our standard pricing, see why Mallard Bridging and our guide to bridging loan costs and fees.

Terms and conditions

The full terms of the Spring Offer 2026:

Offer period. The Spring Offer applies where first contact with Mallard Bridging is received on or before 23:59 BST, Friday 19 June 2026. First contact means a telephone call, email, completed online enquiry, or scheduled callback request. Deals that draw down after this date remain eligible provided first contact fell within the window.
Discount. The cost-of-borrowing portion of the total amount repayable on the formal terms document is reduced by 10%. The discount applies to the combined interest and rolled-in fees component only; the principal advanced to the borrower is not discounted.
Eligibility. Available on facilities of £75,000 to £8,000,000 taken over a term of 10 months or longer and secured against UK property in England and Wales. Mallard Bridging's standard lending range is £25,250 to £8,000,000 with terms of 3 to 12 months; the Spring Offer discount applies only where the approved facility is £75,000 or more and the agreed term is at least 10 months. Available for business and investment use only. Not available for owner-occupied residential mortgages, personal use, or any regulated consumer credit purpose.
No cap on deals per borrower. A single borrower or company may take an unlimited number of facilities under the Spring Offer during the window.
Stacking. The Spring Offer combines with the timely repayment discount. Where a borrower repays on or before the agreed term date, both reductions apply to the cost-of-borrowing portion. The timely repayment discount remains available on facilities that fall outside the Spring Offer window or have terms shorter than 10 months — it applies to any Mallard Bridging facility repaid on or before the agreed date.
Approval. Every facility remains subject to underwriting, satisfactory valuation, identification and source-of-funds checks, satisfactory legal title, and a clear exit strategy. Mallard Bridging reserves the right to decline any application at its sole discretion. The Spring Offer is a price reduction on approved facilities, not a commitment to approve any particular enquiry.
Funding speed. "Money in your bank within two working days" applies from the point of approval where all case details are aligned. Speed depends on valuation access, documentation, title, and exit clarity. Some deals take longer.
Indicative figures. The calculator on this page shows an indicative total repayable. Formal pricing is confirmed in writing on terms documents after underwriting and valuation.
No combination with other promotions. The Spring Offer cannot be combined with other promotional discounts other than the timely repayment discount.
Withdrawal. Mallard Bridging may withdraw or amend the Spring Offer at any time. Any withdrawal will not affect facilities where first contact has already been received within the offer window.
Regulatory status. Mallard Bridging is not authorised or regulated by the Financial Conduct Authority. The Spring Offer applies to unregulated business and investment lending only.

Speak to a Mallard Bridging specialist

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

Frequently asked questions

The FAQ section is rendered with structured data so the answers can appear directly in search results.

What if my call is scheduled after 19 June?

A scheduled callback counts as first contact at the moment you book it. If you email, call, or book a slot on or before 19 June 2026 — even for a call that happens later — the Spring Offer applies to your case.

Does the offer affect my interest rate?

No. The Spring Offer reduces the cost of borrowing you repay at exit by 10%. Your formal terms document continues to show all the standard information about your facility — the 10% reduction is applied to the cost-of-borrowing line.

What about deals that are already in progress?

If your first contact with Mallard Bridging was made before the Spring Offer launched on 20 April 2026, the offer does not retroactively apply. New enquiries from 20 April through to 19 June 2026 are eligible.

How do I claim the offer?

There is nothing to claim. If your first contact reaches us within the window, the 10% reduction is built into the terms document we issue. The figure on the page is the figure you repay.

Can I split a larger facility into multiple deals to "stack" the offer?

Each facility is assessed and priced individually. The 10% reduction applies to each approved facility in its own right. Whether splitting a single requirement into multiple facilities makes commercial sense depends on the individual situation — many borrowers find a single larger facility is the cleaner structure.

More on Mallard Bridging

The Spring Offer 2026 sits alongside everything else Mallard Bridging is known for:

What is a bridging loan? — the basics for first-time borrowers
Fast bridging loans — how Mallard delivers same-day decisions and rapid funding
Bridging loan types — first, second, and third charge facilities explained
For intermediaries — broker-friendly cases, intermediary fees, and submission process

Have a question that is not covered above? Email us or call 0161 883 3708 and ask. The Spring Offer is straightforward and we are happy to walk any borrower or broker through how it applies to a specific case.