Bridging2026-05-01T17:22:45+01:00

Bridging Finance

From

0.55%

  • Up to 75% LTV
  • All asset types
  • Title insurance
  • AVMs

Fast, flexible bridging finance

Colenko’s bridging finance solutions provide short-term funding to support property purchases, refinancing and capital increases across a wide range of situations. We deliver fast, flexible funding designed to help clients act quickly, unlock opportunities and manage time-sensitive transactions with confidence.

Deals we fund

We lend against residential, semi-commercial and commercial assets, offering a range of bridging solutions to support transactions including auction acquisitions, below-market-value purchases, fast-track completions and second charge bridging.

Residential Bridging

Semi-Commercial Bridging

Commercial Bridging

Below Market Value (BMV)

Key facts

Loan amount £100,000 to £3 million
Loan term Up to 18 months
Loan-to-value (LTV) Up to 75%
Monthly rate From 0.55% per month
Interest Serviced or rolled up
Foreign nationals & ex-pats Yes
Adverse credit Considered
Gifted deposits Yes
Security First charge
Ownership Individual or SPV
Region England and Wales

Our process

Bridging finance requires fast decisions and efficient execution to keep transactions moving. Our process is designed to deliver clear terms quickly and move loans to completion without unnecessary delay.

Contact our sales team

Mark Marlow
Mark Marlow
Head of Sales
mark@colenko.com
020 4576 9470
Lee Moran
Lee Moran
BDM, London and South
lee@colenko.com
020 7948 9706

Why choose Colenko?

Choosing a lender is about more than rate. With Colenko, you gain a proactive partner, clear communication at every stage, and the necessary experience to keep your transaction moving from first conversation through to completion.

Clarity

We lend with a clear understanding of your circumstances, providing full transparency on what we can offer. By assessing your situation thoroughly, we deliver funding that works from the outset.

Communication

We keep you informed throughout the process with clear, straightforward updates. You can move forward with confidence, supported by consistent and reliable communication.

Commitment

When we issue terms, we stand behind them. We navigate complexity, overcome challenges, and remain committed every step of the way to ensure your loan progresses smoothly to completion.

Highly Commended Bridging Lender of the Year 2025 NACFB

What our clients say

Here’s what clients say about working with Colenko. From first conversation to completion, we focus on clear communication, practical solutions, and keeping deals moving.

“I had a really positive experience with Colenko. The team stepped in and helped complete the deal smoothly. They were proactive throughout and communication was clear from start to finish. The process was well managed and efficient. I’d happily recommend them.”

Marianne, Kensington

“Our broker recommended Colenko and, given our tight timeframe and first auction purchase, we were initially a little hesitant. However, the team were excellent from the start. They were supportive, attentive and kept us updated while guiding us through the process.”

Olu, Lewisham

“We’ve worked with Colenko on several transactions and the experience has always been smooth. The team act quickly to ensure deals complete on time, even with tight auction deadlines. Their responsiveness and efficiency make the whole process straightforward.”

Michael, Oxford

Frequently asked questions

What is a bridging loan?2026-03-05T17:27:04+00:00

A bridging loan is a short-term property loan used to support purchases, refinancing or capital raises while a longer-term solution is arranged. The loan is secured against property and is typically repaid through a sale, refinance or another agreed exit strategy.

How quickly can a bridging loan complete?2026-03-05T17:26:58+00:00

In urgent situations, bridging loans can sometimes complete within 48 hours using automated valuation models (AVMs) and title insurance. Most transactions take longer depending on the legal process and the complexity of the property.

What types of property can be used as security for a bridging loan?2026-03-05T17:26:53+00:00

Bridging loans can be secured against a wide range of property types including residential, semi-commercial and commercial assets. Lenders will consider the property condition, location and the proposed exit strategy when assessing the loan.

How much can I borrow with bridging finance?2026-03-05T17:26:48+00:00

Borrowing is typically based on the loan-to-value ratio of the property. Many bridging loans are available up to around 70–75% of the property value, although the exact leverage will depend on the transaction structure and borrower profile.

What is an AVM?2026-03-05T17:26:41+00:00

An AVM, or automated valuation model, is a computer-based system used to estimate the value of a property. It analyses property data, comparable sales and market information to produce a valuation figure. Because it does not require a physical inspection, the result can be produced almost instantly.

What is title insurance?2026-03-05T17:26:32+00:00

Title insurance is a specialist policy used in property transactions to protect against certain title or legal risks. It can allow lenders and solicitors to proceed without carrying out some traditional searches. This approach is often used to speed up time-sensitive bridging transactions.

Can I get bridging finance with adverse credit?2026-03-05T17:26:27+00:00

Yes, adverse credit does not automatically prevent a bridging loan. Lenders will consider the overall financial position, the property security and the credibility of the exit strategy when assessing an application.

Can bridging finance be used for auction purchases?2026-03-05T17:26:07+00:00

Yes, bridging finance is commonly used for property auction purchases. Because auctions usually require completion within a short timeframe, bridging loans can provide the speed and flexibility needed to meet the deadline.

Speak to a bridging finance specialist

See how Colenko can help you move quickly, structure the right bridging loan, and keep your deal on track from enquiry to completion.

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