Fast Track2026-03-27T14:08:23+00:00

Fast Track Bridging Loans

Complete within

48 hours

  • Rates from 0.75%
  • Instant valuation (AVM)
  • Instant legals (deferred fee)
  • Expedited conveyancing

Fast-track bridging loans for time-critical transactions

Complete auction purchases and urgent property transactions quickly with streamlined underwriting, instant valuation, immediate legal instruction and an expedited legal process without searches.

Deals we fund

Colenko provides fast-track bridging loans for transactions where speed and certainty are critical. Typical scenarios include auction purchases, accelerated completions, urgent refinances and rapid capital raises where funding must be arranged within a very short timeframe.

Auction Purchase

Accelerated Completion

Fast Capital Increase

Urgent Refinance

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 0.75% per month
Interest Serviced or rolled up
Foreign Nationals & Ex-Pats Yes
Adverse Credit Considered
Gifted Deposits Yes
Security First charge
Ownership Owner-occupied or investment
Region England and Wales

Our process

Fast-track bridging requires a streamlined approach from credit assessment through to completion. Our process is designed to remove unnecessary delays while maintaining disciplined underwriting.

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

How does a fast-track bridging loan work?2026-03-04T17:32:56+00:00

A fast-track bridging loan is designed to speed up every stage of the lending process. An automated valuation model (AVM) provides an instant valuation, allowing underwriting to begin immediately. Solicitors are instructed quickly and title insurance may be used to remove the need for local searches. Together, these steps can significantly shorten the time to completion.

How quickly can a bridging loan complete?2026-03-04T17:33:12+00:00

In some cases, a bridging loan can complete within 48 hours. The exact timeframe depends on the complexity of the transaction and the responsiveness of all parties involved. Using solicitors experienced in bridging finance can help keep the process moving quickly.

How quickly can I buy a property using a bridging loan?2026-03-04T17:33:25+00:00

Purchase transactions usually take longer than refinancing an existing property because legal checks must be completed for both buyer and seller. However, with an efficient legal process and a fast-track structure, completion can still be achieved very quickly. Auction purchases and urgent completions are common examples.

What is an AVM?2026-03-04T17:33:36+00:00

An AVM, or automated valuation model, is a computer-based system used to estimate the value of a property. It analyses large datasets including comparable sales, market data and property characteristics. Because no physical inspection is required, the valuation can be produced almost instantly.

What is title insurance?2026-03-04T17:33:52+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, which helps speed up the conveyancing process. This approach is commonly used in time-critical bridging transactions.

Speak to the bridging finance team

Discuss your transaction and see how fast-track bridging finance can help you complete quickly when timing is critical.

Go to Top