London based independent finance brokerage delivering bespoke real estate funding solutions.

Kalms Property Finance provides an independent and holistic debt advisory service for real estate investors and developers.

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Lender Relationships
£
m+
Debt Quantum
£
m+
Funding Secured

We arrange, structure and deliver bespoke and creative finance solutions across all asset classes, focusing on loans from £1m+.

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Highly Experienced Team

Our team has over 30 years of experience

Throughout the UK

Covering England, Scotland, Wales and Ireland

All Asset Classes

All types of residential and commercial property

Senior Debt, Mezzanine Loans and JV Equity

Across the entire capital stack

Onshore and Offshore borrowers

Accommodating UK and overseas borrowers

Bridging, Development, and Investment

Up to 75% LTV financing available

Dealing with Sam and Ricky has been an absolute pleasure. Each time when the lenders put up yet another barrier, they skilfully navigated us through so that in the end I’ve got exactly what I needed with a minimum of hassle and maximum of support. I would highly recommend this excellent team

Mr L Lovat, Investor

Samuel acted for me on a few of my property refinancing and development finance deals. He was very efficient and talked me through the whole process and regularly updated me. The transaction was smooth and speedy. I will be using his services moving forward

Mr R Nehru, Developer

I have always found Sammy to be efficient, a quick responder and solves problems when presented. I have full confidence in him to find me the most suitable deal and manage the process. Having worked with him for many years now I highly recommend his services.

Mr G Gaty, Investor

It has been a true pleasure working with Sam at Kalms Finance on a range of transactions from development to asset management. We were thrilled with the way they were able to source the required senior debt finance on all transactions which met all our criteria. They took time to understand each deal to the minute details before presenting us with a range of funders who would be best suited.

Mr S Farage, Developer

As an Overseas investor it is important, we are supported by knowledgeable, trustworthy and well-connected professionals on the ground. I can confidently say Kalms Property Finance tick all these boxes.

Mr I. Hersh, Investor

A very professional and personalised financial service, highly recommended. Look no further.

Mr B Khakouei, Investor
Who WE ARE

Delivering exceptional real estate financing across the UK and overseas

Kalms Property Finance (KPF) draws on more than 30 years combined experience within our team to facilitate exceptional and bespoke financing options.
 
Our well-established relationships with both debt lenders and equity providers, coupled with our extensive experience and knowledge of the real estate finance market, means we can access and negotiate the most attractive sources of capital for our clients.
Our core values focus on securing the right type of funding—not just the lowest-cost option as the structure and flexibility of debt can be crucial to a project’s success.
 
We provide personalised guidance to ensure you secure the best possible deal, supporting you every step of the way, from inception all the way through to completion.
 
Our versatility allows us to advise on all kinds of projects across bridging, commercial and residential investment as well as development finance.
Completed

Recently Funded Projects

planning permission for airspace
Commercial Investment
Residential Investment
Hotel Investment
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Frequently Asked Questions

What Types of Property Can You Arrange Finance For?

We help our clients secure funding for all types of residential, commercial, investments, ground up development, land plots, airspace projects and more.

What Information Do I Need To Submit To Apply?

  • Full information relating to Company structure.
  • Details of the property(ies) being
    used as security, including full tenant information.
  • Forecasts, budget and cost-analysis (if applicable)
  • 3 years’ accounts & business
    bank statements.
  • Proof of funds & deposit details.
    Clear exit strategy

How Soon Can I Get a Decision?

We can typically source indicative terms within 24 to 48 hours of receiving your initial funding request, subject to lender availability and requirements.

How Long Does Funding Take To Be Released?

The timeline for funding depends on the lender, property type, and
complexity of the deal. In most cases, finance can be arranged
within 5 to 8 weeks, though more complex transactions may take
longer. We work closely with lenders to ensure a smooth and
efficient process.