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Colenko

Cutting Edge Finance.

BridgingDevelopmentRefurbishmentLends on Land

Max LTV

75% (bridging)

Interest from

0.55% pcm

Loan size

£100,000–£3m

Term

3–24 months

Charges

1st and 2nd

Areas

England and Wales

Who they are

Colenko is a specialist property lender providing bridging loans and development finance for UK investors and developers. Our senior team has delivered over £1bn in secured lending over the past 20 years, combining sector expertise with advanced systems to deliver fast, flexible finance. We focus on speed, clarity and execution, issuing credit-backed terms within 24 hours and progressing deals efficiently to completion. We take a straightforward, practical approach to lending, ensuring funding works in practice as well as on paper, with clear communication and consistent delivery throughout.

Their ethos

Our approach is built on clarity, communication and commitment. We assess each opportunity thoroughly, providing full transparency on what we can deliver and structuring facilities that work from the outset. We prioritise speed and certainty, moving quickly where it counts while maintaining sound judgement and attention to detail. Once terms are issued, we stand behind them, navigating complexity and supporting brokers and borrowers through to completion. Our focus is simple: clear thinking, straightforward processes and consistent delivery that enables clients to move forward with confidence.

What they specialise in

Short-term bridging and development finance, including residential, semi-commercial and commercial bridging, refurbishment and ground-up development. We specialise in fast-moving transactions, complex structures and high-leverage opportunities, delivering flexible funding solutions with speed, certainty and practical underwriting for property investors and developers.

Meet the team

Mark Marlow

Head of Sales

mark@colenko.com

Kendyl Binnie

Business Development Manager – Midlands & North

kendyl@colenko.com

Richard Claypole

Senior Credit Manager

richard@colenko.com

Lee Moran

Business Development Manager – London and South

lee@colenko.com

Contact

33 Broadwick Street, London, W1F 0DQ

www.colenko.com

enquiries@colenko.com

Lending criteria

Funding model
Private capital and institutional funding partners
FCA regulated
No
Fixed/variable interest
Fixed monthly rates
Treatment of interest & default interest
Rolled, retained or serviced options available; default interest applied on overdue balances
Sectors
Residential, semi-commercial, commercial, refurb, development and HMO
Max LTGDV
Up to 75%
Max LTC
Up to 90%
Min property value
Case-by-case basis
Valuation retypes
Yes
Rental calculations & exposure
Not applicable for short-term lending (case assessed)
Types of valuation accepted
AVM, short-form and RICS Red Book valuations
New builds
Yes
Heavy refurb
Yes
Grade listed buildings
Yes
Green/sustainable product
No
Planning permission needed
Yes
Commission rate
Case-by-case
Associations/charters
NACFB and BDLA
Types of landlords accepted
Individuals, limited companies, first-time and experienced developers
Upfront fees
Yes
Broker portal
No
Early redemption charges
No (product dependent)
Investment
Yes
Owner occupied
No
Electronic signatures accepted
Yes
Lending on land
Yes

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Lender information courtesy of The Lender Index by Bridging & Commercial.

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