Flexible second charge bridging finance secured against residential property
Second charge and equitable charge bridging allows you to raise capital from property you already own without refinancing your existing mortgage. It can be used to support further acquisitions, fund business activity or meet short-term cash flow requirements.
Deals we fund
Colenko provides second charge bridging finance to release capital from residential property without disturbing an existing first charge loan. It’s commonly used to fund deposits for new acquisitions, carry out refurbishment works, refinance short-term debt or raise capital for business purposes.
Funds for Deposit
Funds for Refurbishment
Funds for Refinance
Funds for Business Use
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
Second charge bridging requires coordination with the existing lender and careful structuring to ensure the facility works alongside the senior loan. Our process is designed to secure consent quickly and release funds without unnecessary disruption.
Contact our sales team
mark@colenko.com
020 4576 9470
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.
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
