Many borrowers instinctively turn to traditional high street banks when they need short-term property finance. But when urgency is non-negotiable — such as buying at auction, covering temporary cashflow, or securing a time-sensitive stock purchase — waiting weeks or even months for a decision simply does not work.
That is where Mallard Bridging comes in. We offer fast, flexible short-term loans designed to move at your pace. With decisions in as little as 24 hours and funding completed within days, you stay in control of your property deal.
What People Expect From Traditional Banks — And What They Usually Get
High street lenders are known for their stability and brand recognition. However, when it comes to bridging finance, speed and flexibility are rarely part of the offer. While many search for bridging loans from big-name banks, what they often find instead is delay after delay:
- Typically, no dedicated bridging loan product
- Long-winded internal processes and extensive paperwork
- Strict eligibility requirements and rigid lending criteria
- A process of 4–12 weeks or more
- Funding often delayed even after approval
If you are searching for bridging loans faster than the banks, Mallard Bridging was purpose-built for speed and simplicity.
Secure Your Bridging Loan In Minutes
Banks vs Mallard Bridging: Head-to-Head
| Feature | High Street Banks | Mallard Bridging |
| Bridging Loans Offered | ❌ Often not available | ✅ Yes – Fast, flexible short-term finance |
| Decision Speed | Weeks (4-12 typical) | Within 24-48 hours |
| Funds Relased | Delayed by internal red tape | Deal funded in as little as 24 hours |
| Loan Flexibility | Rigid terms, one-size-fits-all | Tailored to your deal needs |
| Communication | Call centres and departments | Direct access to decision makers |
| Ideal For | Long-term finance or mortgages | Urgent purchases, auction finance, fast completions |
Why Bank Lending Often Slows You Down
Traditional lenders are optimised for mortgages and corporate lending — not fast-paced property deals. As a result, they are often poorly suited for time-critical transactions. Here’s why:
- Excessive paperwork and box-ticking exercises
- Multiple internal approval layers
- Limited flexibility for unconventional borrowers
- Slow valuation processes and risk reviews
- Generic service where you’re just a number
- Delays in valuations and fund release
If your deal can’t afford to wait, Mallard Bridging offers rapid, personal support from real decision-makers.
Why Property Investors Choose Mallard
🏗️ Speed Where It Matters
We make decisions in 24–48 hours and release funds in days — not weeks.
📞 Direct Access, No Gatekeepers
You speak directly with experienced underwriters, not call centres or form bots.
📐 Tailored Terms
Every deal is different. We tailor loans around your objectives — not generic bank boxes.
⏳ Support for Urgent Completions
Whether it’s an auction, cashflow bridge, or stock purchase, we’re ready to move fast.
🦆 Others may cut costs. We cut delays.
Frequently Asked Questions?
❓ Do high street banks provide bridging loans?
Some do, but most don’t offer dedicated bridging products. Those that do often require lengthy applications and underwriting timelines that can exceed a month.
❓ Are specialist lenders faster than banks?
Yes. Specialist lenders like Mallard focus on short-term property finance. That means faster decisions, quicker completions, and more flexible terms.
❓ How fast can Mallard fund a deal?
We typically provide decisions within 24–48 hours and release funds in a matter of days, depending on the property and the complexity of the transaction.
Get Funded. Fast.
No red tape. Just rapid bridging finance.
If you are looking for a faster alternative to the high street banks, we are ready to move — today.