KSEYE
A principal bridging lender with more than £620m of funding lines, writing £150k to £50m in England and Wales, with indicative terms in two hours and drawdown in five working days.
What they do
KSEYE lends from its own balance sheet with in-house credit and no referral to a third-party committee. Residential bridging is priced from 0.74 per cent a month, semi-commercial from 0.89 and commercial from 1.04, with a two per cent arrangement fee across the range, alongside development exit and a refurbishment drawdown product to £7.5m at up to 90 per cent of cost. Solicitors and valuers are instructed simultaneously to compress the timetable. The firm has lent over £1.1bn across more than a thousand completions, including a £14.25m development exit.
Where they fit in a lower-mid-market raise
Development exit at scale is where the size range earns its place: a completed scheme carrying costly construction debt can be refinanced here in days, at bridging rates well below stretched development pricing, while units sell. Indicative terms in two hours and a five-day drawdown on straightforward cases make it a credible answer to a deadline.
Where they are not the fit
Lending is England and Wales only, unregulated, and never against a primary residence. Minimum valuations apply, and the faster products are restricted to London, the Home Counties and major cities with tighter leverage and lower caps. Commercial bridging is the dearest part of the range.
Published terms
- Pricing
- Residential from 0.74%/month (65% loan to value Lite) to 0.99%/month (75% loan to value bespoke); semi-commercial 0.89-0.99%/month; commercial 1.04-1.14%/month. 2% arrangement fee across range.
- Speed to terms
- Indicative terms within 2 hours; fund drawdown within 5 working days for straightforward cases. 1000th deal completed one week ahead of deadline. £14.25m dev-exit completed in approximately six weeks
- Sponsored or sponsorless
- Corporate/investment borrowers; lends to non-UK residents and offshore limited companies if property is in England & Wales. Unregulated only - no regulated bridging for primary residences
- Where they lend
- England & Wales only. Lite products restricted to London, home counties, and major UK cities
- How they decide
- Principal lender - in-house decisions only, no credit committee referral to third-party. Indicative terms within 2 hours; AIP within 24 hours. Simultaneous solicitor instruction and valuation to compress timeline. Authority is delegated below committee on at least part of the book
As published by the lender and last reviewed August 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
KSEYE lends through 7 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether KSEYE lends, but which of these would own it.
Residential bridging (bespoke)
- Facility
- £150k to £50m
- Security
- First-charge property
- Funds
- Growth · Refinance
- Rules out
- England & Wales only; Unregulated only (no primary residences); Minimum valuation £250,000
Residential bridging (lite)
- Facility
- £150k to £50m
- Security
- First-charge property
- Funds
- Growth · Refinance
- Rules out
- England & Wales only; London, home counties and major UK cities only; Max 65% loan to value; Minimum valuation £250,000
Semi-commercial bridging
- Facility
- £150k to £50m
- Security
- First-charge property
- Funds
- Growth · Refinance
- Rules out
- England & Wales only; Minimum valuation £250,000
Commercial bridging (bespoke)
- Facility
- £150k to £50m
- Security
- First-charge property
- Funds
- Growth · Refinance
- Rules out
- England & Wales only; Minimum valuation £300,000
Commercial bridging (lite)
- Facility
- £150k to £1.5m
- Security
- First-charge property
- Funds
- Growth · Refinance
- Rules out
- England & Wales only; Select areas only; Max £1.5m
Development exit bridging
- Facility
- £150k to £50m
- Security
- First-charge property
- Funds
- Refinance
- Rules out
- England & Wales only
Refurbishment bridging (drawdown)
- Facility
- £150k to £7.5m
- Security
- First-charge property
- Funds
- Growth
- Rules out
- England & Wales only; Max £7.5m
Limits that apply across the firm
Stated limits, taken from KSEYE’s own published criteria, beyond the ones each desk carries above. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- No appetite in northern ireland or scotland
How they sit against the category
- Its published ceiling of £50m is among the 12 highest of the 75 property-backed lenders here.
- 65 of the 75 publish an indicative price at all; it is one of them.
- It lends through 7 distinct desks, where most firms here run one or two.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does KSEYE write?
Published facilities reach £50m, and the bottom of the published range is small-ticket business rather than a corporate facility. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does KSEYE move?
Indicative terms within 2 hours; fund drawdown within 5 working days for straightforward cases. 1000th deal completed one week ahead of deadline. £14.25m dev-exit completed in approximately six weeks. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Where does KSEYE lend?
England & Wales only. Lite products restricted to London, home counties, and major UK cities.
On the record
January 2025: £468,000 development exit, Reigate — 3-bed house, 75% LTV, 0.99%/month — 1,000th deal milestone (bridgingloandirectory.co.uk.
July 2024: £14.25m development exit, north London — commercial-to-45-resi conversion, 75% LTV, 6-month term (bridgingandcommercial.co.uk.
August 2025: £1bn cumulative lending milestone reached (mortgagesolutions.co.uk.
Sources: kseye.co.uk · bridgingandcommercial.co.uk
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.