Colenko

About Colenko

Colenko was founded in 2019 with a clear point of view: that property finance could be faster and smarter without sacrificing the quality of underwriting. The Hammersmith-based lender has built its platform around technology that allows borrowers and brokers to customise loans online, receive instant indicative terms, and access automated valuations up to 75% LTV — removing unnecessary delays from the early stages of the lending process.

The team brings serious industry credentials. CEO Rob Roscoe previously held leadership roles at Proplend and Sancus Finance, and led funding and strategic partnerships. Head of underwriting Hemant Bharkhada spent time at West One Loans where he underwrote over £400 million of loans across development finance, bridging and buy-to-let. That experience shows in how the business operates — technology accelerates the process, but experienced people make the lending decisions.

In 2024, Shawbrook increased its funding facility to Colenko to £15 million on a block discounting basis, reflecting confidence in the team's growth trajectory and operational rigour. Colenko is a patron lender of the NACFB and a member of the ASTL.

Bridging Loans from Colenko

Colenko lends from £50,000 to £2 million, with terms up to 18 months and LTVs up to 75%. Rates start from 0.75% per month. The lender offers fast-track residential bridging with AVMs up to 75% LTV, which significantly reduces turnaround time on straightforward cases. HMO refurbishment loans are assessed on investment value rather than open market value, which improves the advance available on conversion projects.

What Can Colenko Finance?

• Residential bridging — purchase, refinance and capital raise
• Auction purchases requiring rapid completion
• Light refurbishment and HMO conversion
• Development exit and bridge-to-let scenarios
• Below market value acquisitions
• Planning enhancement bridges

How to Apply with Colenko

Colenko works with brokers and direct borrowers through its online platform, which allows deal customisation and instant indicative terms. The team aims to confirm appetite quickly, and AVMs on eligible cases further accelerate the timeline to drawdown. Enquiries can be made via the website or directly to the team at their West London office.