KSEYE

About KSEYE

KSEYE's origins go back to 2008, when its directors established a mortgage brokering and property advisory firm. What happened next shaped the business: the credit crunch revealed a significant gap between what mainstream lenders could deliver and what property professionals actually needed. The directors began arranging short-term bridging finance solutions themselves, and by 2012, demand had grown to the point where they sold the brokerage entirely to focus on bridge lending as a principal lender.

That decision has proven well-founded. KSEYE has now lent over £1.1 billion to property investors and developers in England and Wales, across more than 800 completed transactions. In 2016, it became the first institutional funding secured via a bond facility listed on The International Stock Exchange — a significant milestone for a lender of its size — before expanding further through proprietary technology systems launched in 2019 and the US market in 2024.

The operational model is built on common-sense underwriting and direct access to decision-makers. Indicative terms are typically issued within two hours of enquiry, and straightforward cases can complete within five working days. All decisions are made in-house — there are no external credit committees or institutional approval chains to navigate.

Bridging Loans from KSEYE

KSEYE lends from £150,000 to £50 million, with terms up to 12 months and LTVs up to 75%. Rates from 0.89% per month. The lender covers residential, commercial, semi-commercial and mixed-use property, and will consider non-UK residents, offshore structures and borrowers with adverse credit. Interest can be retained subject to LTV. Development exit and small-scale development are also considered.

What Can KSEYE Finance?

• Residential buy-to-let purchase and refinance
• Commercial and semi-commercial property
• HMOs and multi-unit freehold blocks
• New builds and Grade II listed properties
• Auction purchases
• Capital raising and developer exit
• Non-UK residents and offshore company structures

How to Apply with KSEYE

KSEYE works through commercial finance brokers and accepts direct enquiries. Brokers can register online or call the Swiss Cottage office directly to discuss a case. The team aims to provide indicative terms within two hours, with solicitors instructed simultaneously with valuation to minimise turnaround time.