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KSEYE

KSEYE is a specialist property lender for short-term bridging loans in England & Wales
£1.1bn worth of bridging loans total with over 1200+ completions to date

KSEYE is a specialist lender based in London offering bespoke short-term bridging finance solutions to property investors in England and Wales. We provide bridging loans secured against residential buy-to-let, commercial, mixed-use and development real estate to assist with property purchase, refinance or refurbishment works. KSEYE has an 8-year lending history and has completed over £300m worth of bridging loans to date, with over £100m of loans currently under management. Backed by several institutional funding lines, the company is well-positioned to transform and facilitate the borrowing process to its clients and continue its growth trajectory into the future. Our core value is to adopt a ‘common-sense’ approach to underwriting to find a flexible solution which suits your unique circumstances. With all decisions being made in-house and a simple application process, you can expect an efficient service and draw down funds within 5 days of your initial enquiry. We are a dedicated team of professionals working to help you with your individual funding needs and to provide a service that you expect and deserve – flexible, approachable and transparent. To learn more about our products and services, please visit www.kseyecapital.co.uk or call 020 8909 0736.

08/10/2026

Completed Deal Spotlight: Denham House of Multiple Occupation (HMO) Conversion 🏡

Our final deal spotlight this month highlights how bridging finance helps buy-to-let investors add value to their property portfolios.

The Scenario:
The borrower was purchasing a 3-bedroom semi-detached house in Denham for £435,000 to convert into a 6-bedroom HMO. The borrower will carry out the conversion works with a refurbishment budget of £168,000. KSEYE will fund the entire build through a refurbishment facility, with funds released in arrears as the works progress.

Why It Worked:
⚡️ Refurbishment Facility: Structured a loan facility to fund the entire build in arrears for the conversion into a 6-bedroom HMO.

💡 Valuation Agreement: Proceeds were supported as the valuer agreed the estimated costs of £168k + VAT appear realistic.

🚪 Refinance Exit: The exit of our loan will derive from a refinance once the works are complete.

Deal Highlights:
💰 Loan: £312,897
📈 LTV: 70%
📉 Rate: 0.94% p/m

View the full case study:
👉 www.kseye.co.uk/refurbishment-bridging-finance-for-a-6-bedroom-hmo-conversion/

Have a client looking for funding on a refurbishment or an HMO conversion project? We'd love to help.

🔗 www.kseye.co.uk/refurbishment-bridging-loans/

05/10/2026

Common Questions:

I'm buying my first investment property, what are the costs to budget for? 🏠

First-time property investments are exciting, but fees can eat into your profits. Here is a quick breakdown of what to expect:

💰 Stamp Duty Charges
Investment properties usually require the higher rates for additional dwellings. Expect an extra 5% charge on top of standard residential rates.

🏛️ Council Tax & Holding Costs
If you're refurbishing before letting, council tax still applies whilst empty. Many councils now charge up to a 100% premium on empty properties, making fast turnarounds key.

📋 Valuation & Legal Fees
Lender valuations focus heavily on expected rental fees and market values. Budget for valuation fees, property searches, and legal fees up front.

Interested in securing your first investment property?

Speak with our dedicated BDMs today to discuss your property.
🔗 www.kseye.co.uk/refurbishment-bridging-loans/

Or take a look at our refurbishment finance.
🔗 https://kseye.co.uk/refurbishment-bridging-loans/

01/10/2026

📍 Find Your Local BDM | Our London Bridging Experts

Need bridging finance for you next London property purchase? Meet Emmanuel and Charles, our experts covering central and greater London.

Whether you need auction finance, residential bridging, or funding for a commercial block, Emmanuel and Charles are on hand to help

Why work with our London team?
• Direct access to decision-makers for quick agreements in principle.
• Flexible underwriting tailored for the prime London market.
• Transparent terms with no hidden fees.

Have a new London property that needs financing, contact our team below:

📩 Emmanuel Jatto
Email: [email protected]
Phone: 07501 317 515

📩 Charles Creak
Email: [email protected]
Phone: 07470 954 972

📍 www.kseye.co.uk/contact/

28/09/2026

Completed Deal Spotlight: Hounslow Capital Raise 🏡

Our second highlighted deal this month shows how the fast Automated Valuation Model (AVM) can help experienced landlords release capital from their existing property.

The Scenario:
The borrowers were looking to raise capital against an unencumbered 4-bedroom semi-detached Buy-To-Let property in Hounslow, valued at £560,000. To keep things moving quickly, we opted for an AVM alongside a Property Data valuation rather than waiting on a full physical valuation, using the lower figure of £560,000 in line with our lending policy.

Why It Worked:
⚡️ Speed via AVM: Automated valuation tools allow us to bypass physical inspection delays for faster deal completion.

💡 Unencumbered Security: Used equity in an existing residential asset to provide capital for the borrowers.

🚪 Clear Exit Strategy: Supported by strong rental income from the guarantor's wider portfolio, with a standard property refinance as a backup.

Deal Highlights:
💰 Loan: £364,000
📈 LTV: 65%
📉 Rate: 0.79% p/m

View the full case study:
👉 www.kseye.co.uk/capital-raise-bridging-finance-for-a-hounslow-buy-to-let-property/

Have a client looking to unlock capital from their existing portfolio? We'd love to help.

🔗 www.kseye.co.uk/residential-bridging/

24/09/2026

The Uninhabitable Property Blocker, Refurbishment Deals 🪚

Looking to purchase a property that needs a little TLC so you can maximise your returns?

Mainstream mortgage lenders usually turn down properties missing a functioning kitchen or bathroom. Meaning cancelled deals, all becuase the property is missing the kitchen sink!

At KSEYE, we look at the big picture:

• Non-functioning kitchen? Not a problem for us.
• Heavy structural works? We fund both light and heavy refurbishments.
• Fast ex*****on: We offer fast, flexible bridging finance to secure the property and get the building work underway.

Once your property is fully restored and habitable, you're ready to exit onto a standard mortgage or sell you property and profit on all your hard work.

Let us help you keep your next refurbishment project moving:
🔗 https://kseye.co.uk/refurbishment-bridging-loans/

22/09/2026

Completed Deal Spotlight: Edgware Auction Purchase 🏡

Our latest completion demonstrates how we work closely with brokers to help first-time landlords move quickly on auction opportunities.

The Scenario:
Our borrower was purchasing a 1-bedroom flat in Edgware, North London, at auction for £187,500. Both the borrower and guarantor are first-time landlords with no existing investment properties and the purchase was funded through their business income.

Why It Worked:
⚡️ Fast Auction Completion: Quick underwriting ensured funds were ready ahead of the auction deadline.

💡 Pragmatic Underwriting: We take a common-sense view of first-time landlords, backed by their strong business income and main residence security.

🚪 Dual Exit Route: A flexible exit strategy structured around a standard refinance or sale of the property.

Deal Highlights:
💰 Loan: £121,875
📈 LTV: 65%
📉 Rate: 0.84% p/m

View the full case study:
👉 www.kseye.co.uk/residential-auction-bridging-loan-for-first-time-landlord/

Do you have a client who needs fast funding for their upcoming auction purchase? We'd love to help.

🔗 www.kseye.co.uk/auction-bridging-finance/

17/09/2026

Do you have clients bidding on £1M+ auction properties with non-negotiable deadlines? 🔑

When dealing with acquisitions of £1M or more, traditional bank timelines risk forfeiting your 10% deposit and the property. Standard bank and lender processing simply takes too long.

A successful 7-day completion requires running every phase at the same time:

✅ Speed: Indicative terms provided within 2 hours

✅ Capacity: Flexible auction loans from £150,000 to £50,000,000

✅ Efficiency: Concurrent legal and valuation instructions launched on day one

✅ Certainty: Direct access to internal decision-makers (no external credit committees)

✅ Track Record: Fully capitalised principal lender with over £1.1bn deployed

Read our latest guide to see how pre-auction underwriting can secure your client's next high-value property.

👉 Read the full guide: www.kseye.co.uk/securing-a-1m-auction-property-bridging-finance/

14/09/2026

Meet Our Leadership Team: Meet Jit 🤝

This month, we are continuing our founder spotlight series with Managing Director, Jitendra Khagram.

Co-founding KSEYE alongside his brother Nikes, Jit recognised a clear gap in the market for short-term finance. With a background as a Senior Accountant and former Director of an FCA-regulated firm, he drives KSEYE's commitment to clear, dependable lending.

Why you should work with Jit and the leadership team:

✅ Financial Expertise: Drawing on over 12 years of senior accounting experience, Jit ensures your transactions are structured with financial precision.

✅ Over £1 Billion Funded: Having overseen more than £1 billion in completed bridging deals, Jit brings unmatched expertise to every deal.

✅ Decisive Ex*****on: Being one of our decision-makers, you get fast, commonsense underwriting.

✅ Relationship-Driven: Jit is passionate about sustaining deep stakeholder relationships and clear communication.

📱 020 8909 0736
👉 www.kseye.co.uk/jitendra-khagram/

10/09/2026

Another fantastic result for one of our valued brokers!

A massive shoutout to the team for delivering an amazing service, we're delighted to share this feedback:

"I really want to say a huge thank you for all your patience, understanding, and for allowing me to handle the redemption directly. Your help made the whole process incredibly smooth and stress-free, which I truly appreciate. It’s a pleasure to highlight such a positive experience!"

09/09/2026

Upcoming London September Auctions:

Whether your client is after their first £150k residential property or has a £50 million portfolio, KSEYE can provide fast, flexible bridging finance needed to complete at auction.

Auction Dates:
🗓️10th September: Barnard Marcus (9:30 am | Grand Connaught Rooms & Online)

🗓️10th September: Strettons (12:00 pm | Live-streamed & Online)

🗓️10th September: Barnett Ross (12:00 pm | Online)

🗓️15th September: Savills Property Auctions (Remote Bidding)

🗓️16th–17th September: Allsop (Residential Auction, Live-stream)

🗓️17th September: Knight Frank Auctions (11:00 am | Live-stream)

🗓️23rd September: Town & Country Property Auctions (10:00 am | London & Online)

🗓️29th September: Savills Property Auctions (Remote Bidding)

Contact our expert underwriting team today to discuss pre-auction terms.
👉 www.kseye.co.uk/auction-bridging-finance/

Address

9a Swiss Terrace
London
NW64RR

Opening Hours

Monday	9:30am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Website

http://www.kseye.co.uk/

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Contact The Business

Send a message to KSEYE:

College of Public Speaking London
Voluntary Action Islington, 200a Pentonville Road

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